davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX
Consumer complaint received 2022-10-30
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$11000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX  Account number XXXXXXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$450.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 

Show more Account name XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$19000.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$180.00} written off.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, Account XXXX was charged off as of XX/XX/2019. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

Is in violation of Holder in due course rule. They ate holding my contract without reserving the rule of the holder in due course rule. Toyota received my contract and didnt credit me for the contract is in violation because according to the rule it preserve my defenses and my claims to proceed of the note that was issue to the seller which is the dealership before it was issue to the creditor which would be the bank or anybody that ended up being the holder of the note. 
The vehicle is for my person use they have no right to charge me for the note. The note was the payment that they received and proceeds from the note was what I was entitled to credit for. They cant make me pay without them paying me.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion XX/XX/2022 Tried calling TransUnion to get fraud ( hard inquiries on XX/XX/2022 ) removed from my account. They stated that they can not do it without written authorization from the banks. I am unable to get in touch with the banks ( XXXX XXXX, XXXX XXXX Bank ) to get this information.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Since XX/XX/2020 this fraudulent charge has been on my credit report. It is from XXXX, now with Convergent Outsourcing. I have never had XXXX as a carrier. Someone opened this account fraudulently. There has never been a payment made. I have made several attempts, 6 attempts total, to dispute this. 5 attempts, via credit reporting dispute resolution and 1 by letter. I have had to lock my credit. 

They keep ignoring my attempts to clear this from my credit. I do not feel comfortable calling them. I have sent them a detailed letter with my info asking them to get this off my credit. No response to any of my attempts. 

Total amount due is {$500.00}
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

When I took my vehicle for its first service in XXXX I discovered that I was overpaying for maintenance and warranty so I cancelled it to Lower my car payment because with those extra contracts it made my payment so high. Company received over {$5000.00} and instead of applying towards my payments they just reduced my terms, which doesnt benefit me at all. Im still having to make high payments and now not even have the warranty and maintenance. I feel its unethical what they did. If they received a refund check, they have to apply to towards my payments.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CRED Technologies dba cred.ai (TX)

I received notice my Cred.Ai account was being closed due to " Too many returns '' This was 2 days before payday I can not access the account anymore I have documents saying my payroll dept sent a deposit before the notice of closure on the account. 

The company is hard to reach, most of the time I don't get an answer. 

I was directed towards my Payroll dept who already said the funds were sent and can not be reversed. 

I just want my paycheck and Cred.Ai isn't contacting me back.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Bank/Insurance due to a system error by USAA charged our account twice for an insurance payment once on XX/XX/XXXX XXXX XXXX  and once on XX/XX/, XXXX  Refuses to refund money ( it is the same company USAA Bank and USAA Insurance ) continues to say it will take 10 days to investigate the dispute. Continues to return automatic payment for insufficient funds and causing us to receive returned item fees from the companies the payments are returned to and causing damage to out credit because it shows we have missed/paid late on these credit accounts. Refuses to agree to cover the fees that are caused due to their mistake not ours.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

In accordance with the Credit Reporting act Credit Collection 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 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 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, According to my XX/XX/28 credit report there are inaccurate items I would like corrected- attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my credit report
Consumer complaint received 2024-08-31
Product: Credit reporting 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. (AZ)

This letter is to inform you of an unauthorized inquiry on my report made by XXXX XXXX XXXX XXXX  XX/XX/2024 ) This is fraudulent and was NOT initiated by me. Please delete as soon as possible. Thank you for your time in this matter.
Consumer complaint received 2022-07-29
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (AL)

Citi Bank sent me an invitation by email to open a savings account called Acceleiate Savings. I would receive a {$300.00} bonus with a {$30000.00} balance. It had a code number to identify offer to be used when opening account. It said to open online or call Citi using offer code. This was in XX/XX/2022. I decided to call Citi so there would be no errors in opening. I told the associate I wanted to open the accelerated savings account with the {$300.00} bonus offer and gave her the special offer bonus code. I then sent in the {$30000.00} which has now been there for over six months which is double the time required for bonus. I called in four or five times asking about my bonus and was told they see nothing wrong with the account and I should have received it by now. Three time they messaged a complaint for me and three time I received the same form letter saying the account was opened incorrectly. Apparently she did it wrong because now Citi refuses to give me the bonus to me. It is not my fault that Citi associate opened the account incorrectly..
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Health Corporation (KY)

XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX. Saying I have 3 items on my credit report and it's been paid and they are trying to get more money out of me. These bills have been paid and they won't take them off my credit report. I have ask them to remove them and they say unless I paid them directly they won't remove them. I'm very concern that they are ripping other citizens off. Please investigate this problem.
Consumer complaint received 2022-09-29
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. (LA)

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 2022-12-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/XXXX Judgement lien ( from not paying credit card ) agiasnt my checking account with Wells Fargo Legal Order Processing Department. Once I sent proof to the XXXX XXXX XXXX XXXX  that I was XXXX  they updated thier file. In the meanwhile I recieved letter from Wells Fargo that my checking account was proctected & no one could withdraw monies because it was social security. Wells Fargo did not protect my savings account, Wells Fargo All departments would not help me at ALL. I told Wells Fargo that social security was being transfered into my savings & they are taking my money. I could not cancel the transferring because I would owe Wells Fargo a monthly fee. 
I kept fighting going back & fourth with XXXX XXXX Wells Fargo, Till I finally Won. 
XXXX XXXX XXXX XXXX  asked me to send my checking & savings statements for the 60 days showing that exempt money was transfered into my savings & was not suppose to be taken because its social security money. 
XXXX XXXX XXXX on XXXX sent Wells Fargo a sign release from thier attorneys lifting the lien & allowing Wells Fargo to send me all the money they had taken. 
They sent Wells Fargo another release on XXXX. 
Wells Fargo said they sent the company a check on XXXX {$510.00} but confirmed it was not cashed. 
I have made SEVERAL calls to Legal Order processing department Wells Fargo & told me to bad, they can not give me my check. I have to call the company & ask them to send back the check. My response is : Why do I have to call I do not work for either company & the check is not cashed. 
I have asked for anyone Management, departments anyone who would help at Wells Fargo, They just keep telling me, sorry I have to get the check sent back. 
I have all the dates and names of all employees that I have spoke with. 
The bottom line, Is I did all the work, am procted under the XXXX and now that I won, Wells Fargo will not give me my check. 
this is been going on since XX/XX/XXXX. 
Please help me get my money back from Wells Fargo. I do not know what to do anymore. 
I have all the letters & faxes that are involved in this case. 
Wells Fargo Legal Order case # XXXX XXXX XXXX XXXX XXXX  Case # XXXX If anyone can help me, please. 
my contact is XXXX & of course email.