davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

So much of my time has been spent on this issue. I have all the correspondence needed that if looked at in chronological order would be sent as evidence with no disputes. 

This was my message to Wellsfargo customer service and then forwarded to the board of directors listed email. 

Please someone help if you can! 

Almost XXXX months of being the liaison between XXXX and Wellsfargo. XXXX years of being a customer. Not a customer with a lot of money or a financial portfolio that would add to your institution but nevertheless a customer. 

How in the world $ XXXX dollars with multiple pieces of hard copy evidence where I was scammed through an electronic payment via wellsfargo debit card but can not get resolution is hard to understand. Im still negative in my checking account since the provisional credit was taken away. I still have all the documentation including the one where XXXX stated the case was won in my favor and credited back per my financial institution and a lot of other hard copy facts to hand in to whoever will be looking into this case. 

The damages of a bad checking account balance are endless. My livelihood, employment background and availability to have standing with another financial institution is being affected. 

Im in XXXX XXXX, XXXX willing will graduate this year, work XXXX jobs and plan to have a very stable financial future ASAP. 

The most sad part about this whole situation is that the amount in question that I was scammed out of was for a deposit on a rental to quietly and safely move to for protection from an abusive living environment. 

I will be reaching out just like I have been to solve this matter. I cant possibly be the only XXXX in the world dealing with an issue like this. I could have easily given the home owner/scammer cash if I wanted to flush money down the toilet but I didnt, I used a debit card linked to a XXXX for safety and a paper trail for validity.
Consumer complaint received 2023-01-31
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. (PA)

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 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 2023-01-31
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. (PA)

My name is 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.
Consumer complaint received 2020-05-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (TX)

Original Creditor : XXXX XXXX XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via XXXX XXXX. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues XXXX XXXX repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because XXXX XXXX is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to XXXX XXXX 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by XXXX XXXX. 

While this issue was going on with the insurance company at the time I also communicated with XXXX XXXX once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then XXXX XXXX should be responsible enough to understand and remove this fraudulent debt from my credit report. XXXX XXXX received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies XXXX XXXX presumes to fabricate. XXXX XXXX received a payment. End of debt that is originally not a debt. 

XXXX XXXX will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (IL)

First of all, XXXX XXXX initiated a background check without my consent and I am no longer an XXXX XXXX XXXX XXXX XXXX XXXX  In this check they somehow used my OLD DRIVERS LICENSE from XXXX  ( I have an XXXX license and have had for XXXX years ) and learned of this from an email from First Advantage that I had an adverse action message to view which I couldnt even view because the entire document was encrypted. I then downloaded software that can read encryption and that is how I discovered that a report had been run without my knowledge or consent. I called First Advantage to dispute but they claim they cant do anything about the incorrect information OR the fact thaXXXX XXXX XXXX had run a FRAUDULENT background check. I then requested contact information for XXXX XXXX from First Advantage to talk to someone on the XXXX end but they said they had no contact information they could give me. I have been XXXX XXXX XXXX XXXXXXXX because XXXX XXXX  keeps cancelling my background checks without ANY information or returning my requests for said information and First Advantage has been nothing but unhelpful to help me with this matter.
Consumer complaint received 2023-01-31
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. (SC)

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.
Consumer complaint received 2023-01-31
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. (VA)

My name is XXXX XXXX XXXX this XXXX 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.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

From the first date, I have always included a partial pre-payment of my principle. When the COVID-19 Pandemic shut down XXXX Florida, I called Select Portfolio Servicing and asked them two questions ; 1 )  would they lower the variable interest rate, which they increased last year, 2 ) what options do I have if I have a problem making the payments Today, I received my statement. The pre-payment of {$270.00} was unapplied, even though the mortgage coupon was clearly marked for partial pre-payment. Rather than following their customer 's wishes, they continue to charge interest charges for the {$270.00} ( and future ) pre-payments. 
At XXXX XXXX, I called, I was informed that I was enrolled in their " forbearance '' program and they told me that I could not withdraw from it. This is Forced Compliance of a Condition that was never agreed to.
Consumer complaint received 2023-01-31
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. (SC)

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.
Consumer complaint received 2023-01-31
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. (CA)

XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a 30 days late payment on my credit reports ( to all three credit bureaus ) since XXXX XXXX This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( 19 years ). You can also see the error which is the late payment report by XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX should remove incorrect and inaccurate information from my credit report. I have contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XXXX XXXX the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX XXXX XXXX massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.
Consumer complaint received 2023-01-31
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. (TX)

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 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 2023-01-31
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. 

XXXX XXXXXXXX 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 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 2023-01-31
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED 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
Consumer complaint received 2023-01-31
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)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-01-31
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. (CA)

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

Dear Sir or Madam, I am writing to request that you repay all the excessive charges that you have billed to my account from XX/XX/XXXX to XX/XX/XXXX I do not believe that these charges reflect the true transaction from Apple Card The charges total XXXX. Plus, as I have been unlawfully deprived of the money charged, I demand that all the interest at the statutory rate, which a court would award. 
Therefore, I request that you repay me the full amount ( XXXX plus any interest ). I have attached a full schedule of the charges and interest with this document.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Dakota Financial, LLC (NC)

I am reporting this company because they have caused my income to come to a stop due to unlawful practices and infringement on my rights. I made a payment arrangement that was rescinded due to me exercising my rights. I want it to be on record that this company attempted to reposes my means of income without proper notice twice. The company they hired to reposes also caused damage to the equipment. I have not been able to use my truck to make money out of being in fear of the company continuing in unlawful or illegal practices in an attempt to defraud me more than they already have. I have listed below USC codes that explain the violations made by this company.

15 U.S CODE 1692j- false and deceptive forms 15 U.S Code 1635- right to rescission 15 U.S Code 1605- finance charge defined and what is all included 15 U.S Code 1635 ( f ) -right to rescind after 3 years if rescind paperwork was never furnished 15 U.S Code 1635 ( b ) -right to rescind and keep the property 15 U.S Code 1640 ( a ) -each violation is XXXX XXXX  charge 15 U.S Code 1662 ( b ) - mixing cash with consumer credit transaction 16 C.F.R 433.1 ( d ) - purchase money loan. XXXX got a cash advance for using my social or credit card
Consumer complaint received 2023-01-31
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. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-01-31
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. (FL)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (FL)

I am not certain that this is a complaint. I am logging this concern in case other people are noticing the same thing. I mailed ( by XXXX ) three payments to three different creditors at the exact same time ( on a day sometime between XX/XX/23 and XXXX ). Two of the creditors received my checks and posted the payments in a timely fashion. However, it's now XX/XX/23, and Commerce Bank ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX ) still allegedly has not received my XXXX payment. So I've been fined a {$40.00} late fee, and I have now paid it. I find it strange that this has happened, especially since mine is an account on which Commerce Bank is not likely to make the kind of profit ( from interest and/or cash advances ) that they'd hoped to.
Consumer complaint received 2023-01-31
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. (FL)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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