davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY (NM)

I was receiving my unemployment payment by check through the mail. But now it says that it will be on a state issued debit card. A Wells Fargo account card. I have not received this card and it has not been 3 weeks now and I have no card and have not received my payments I cant get an answer or a hold of any one to help my phone number is XXXX thank you
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

I have received correspondence from an unknown debt collector by the name of Diversified Adjustment Services , Inc. claiming I owe a debt from a company I have no affiliation with. I am requesting a debt validation from the company to provide ALL information requested in my letter in order to validate this debt.
Consumer complaint received 2022-07-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Consumer complaint received 2017-05-21
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. (GA)

Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that t he Collection Agency & Creditor hav e also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but  may  file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  of  2016. He nce, if the creditor had indeed fulfilled its obligations under Florida Statutes to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my  USPS  change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Consumer complaint received 2023-05-15
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-15
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. (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 XXXXXXXX,, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' BULL CITY FINANCIAL is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' BULL CITY FINANCIAL the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, BULL CITY FINANCIAL whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2023-05-15
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-14
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. (IL)

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Consumer complaint received 2022-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Randolph, Boyd, Cherry and Vaughan (VA)

Previously made contact with the agency of Randolph , Boyd , Cherry & Vaughan ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was 1 ) Discharged in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for XXXX XXXX XXXX. 2 ) Informed them that the debt is 5 years old and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. 3 ) They were informed that the car was auctioned off for majority of the account. And that XXXX XXXX XXXX most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (ME)

I received a collection notice from Carter Young collection agency in XXXX Ga about a student housing from XXXX XXXX XXXX. I have told them on a previous occasion that I did not guarantee any student living or any other accommodations This is not my bill. they need to go back to the original student They are perpetrating a fraud using my name. I have told them on the phone that this is not my debt but they still send me a notice.I have never heard of this student living facility
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (PA)

My mortgage was sold to Freedom Mortgage in XX/XX/XXXX. In XXXX of XXXX Freedom Mortgage increased my monthly payment by approx. {$1000.00}. When I called I was informed it was due to the estimated escrow amount for taxes. I asked to make my normal payment ( {$1800.00} ) until the correct amount of taxes could be resolved which they accepted. They did not tell me at the time the amount would not be applied to my account. I called again in XXXX and was told they would take XXXX, XXXX and XXXX 's payments back to the end of my loan so they could resolve the tax issue. In XXXX they sent me paperwork for that to happen however, the document required us to agree to the inflated monthly amount. We could not agree to paying an extra {$1000.00} a month. The escrow department told me they were contacting our local property and school tax departments to resolve the issue. This never happened so I had to send them the tax bills myself. Early in XXXX the escrow department entered the new tax amount which reduced my monthly payment to {$1800.00}. However, they have refused to allow me to make the payments for XXXX, XXXX and XX/XX/XXXX because they are still showing the payments due for XX/XX/XXXX through XX/XX/XXXX at the incorrect amount. They are requireing me to make the full incorrect amount they say is due before they will bring my account current. The amount is almost double the actual {$5500.00} that is due. I have called them weekly to try to resolve this issue that is their mistake and have been unable to do so. I was told again today that I have to pay the incorrect amount and they would send me a refund check. The refund amount they have calculated ( {$2100.00} ) is still in excess of the actual amount due. We don't have the amount they are asking for. As senior citizens we budget carefully and only have the amount I have been saving each month that should have been the correct payment. All we am asking is to pay what I actually owe. Freedom Mortgage is using deceptive practices and taking advantage. This was their error and expecting us to pay for their mistake. This has reduced my credit rating from the high XXXX 's to XXXX!