davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute and bring to your attention several concerns regarding TransUnion 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) US Postal Service Incorrect Name : XXXX XXXX XXXX Unauthorized Credit Inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Following Accounts : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have repeatedly requested proof of the verification process for the updated information, especially concerning the unauthorized credit inquiries, and account accuracy, but TransUnion has failed to provide any documentation. This raises concerns about their compliance with the FCRA and their duty to furnish accurate information. 
In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into TransUnion 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2023-03-23
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. (CA)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$26000.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinCo Services Inc DBA Current (VA)

I am filing a formal complaint against Current regarding a disputed charge on my Credit Builder Card account. I was overcharged on my card, and despite filing a dispute, Current declined it without conducting a proper investigation.

Now, Current is reporting the unresolved charge on my credit report, stating that my account balance is late, which has resulted in incorrect late payments being reflected on my credit report.

I am requesting the Consumer Complaint Protection Service ( CCPS ) to intervene and assist in reopening this dispute with Current and ensuring the erroneous late payments are removed from my credit report. 

Thank you for your assistance.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AL)

The XXXX XXXX XXXX is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. XXXX XXXX XXXX XXXX is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from XXXX
Consumer complaint received 2023-06-13
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. (CA)

In accordance with the Fair Credit Reporting act. this account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX, 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 this item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022 I deposited a cashier 's check for {$5900.00} into account XXXX XXXX at Wells Fargo Bank. I was told the funds would be available on XX/XX/2022. I called the bank every day and the finds were there. On XX/XX/2022 I bought a cashier 's check for {$4900.00}. When I got home my e-mail told me I had a deficiency in my account of about {$3000.00}. 

I went to the bank. They told me the cashier 's check was no good. They should not have told me the funds were in my account. Even the transaction receipt they gave me on XX/XX/2022 said the funds would be available on XX/XX/2022. It was from an out of state bank. 

I believe this is gross negligence on the part of the bank and they should return the {$4900.00} and the {$400.00} I also spent.
Consumer complaint received 2023-07-19
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. (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. 


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 2024-09-24
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-01
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. (MS)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (AZ)

Not too long after recovering from XXXX, I deposited funds in E Trade Bank 's Max-Rate Checking Account. I then forgot that I had deposited it, as I was trying to get my life back in order after recovering from the devastating effects of XXXX XXXXXXXX. I didn't discover the checkbook until I moved to XXXX last year. When I called E-trade, representative XXXX told me that my funds had been transferred/dispersed to the the XXXX Treasury Department XXXX but I had NEVER gotten any statements from E trade Bank over all those years and they NEVER contacted me to let me know that they were going to, or that they had transferred my funds to the state! My funds do not show up at the XXXX Treasury Dept., the FDIC, or the Office of the Comptroller of Currency ( OCC ). Now E Trade is telling me that since it has been so long, they can't find it either, or verify the funds to return my money to me. This is devastating to me, as I feel that they never took the responsibility to send me statements or inform me about the transfer of the funds. I need my money. XXXX, the E Trade rep, told me that he couldn't give me his email or the name of his manager, but that their E head management office is at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I deposited a check on XX/XX/year> that was a withdrawal from my XXXX account in the amount of XXXX USD, the funds from which were to be made available the subsequent day according to my deposit slip. Wells Fargo applied an additional hold for 7 business days, and upon my call on XX/XX/year> to customer service, they only noted that the reason for the hold was " Refer to the maker of the check '' and not able to provide any additional information.

I then reached out to my XXXX administrator on XX/XX/year> who processed the withdrawal and within 2 business days ( on XX/XX/year> ) was able to produce/provide evidence to me that the maker of the check ( XXXX XXXX XXXX XXXX XXXXXXXX ) had indicated the check had cashed and there was no indication on their end of a need to hold. 

On XX/XX/year>, along with a representative from XXXX administrator, I contacted a " banker '' on Wells Fargo 's customer service line, who was unable to help even after my XXXX administrator confirmed that there were no issues on their end and that they had been in contact with XXXX XXXX XXXX XXXX on my behalf. When escalated to a 2nd level support representative, my XXXX administrator again confirmed that the check had been cashed by the maker bank. I inquired with the 2nd level support individual if the hold could be cleared sooner than the estimated date of XX/XX/year>, and they said they " do not have a process to expedite release of a hold '' and that they did not have access to any senior level support with appropriate authority to do so. At best I was offered the ability to file a complaint, but they indicated that i would not hear from them for 10 business days.

As a consumer, this has left me in a very precarious financial position, as I withdrew this money due to a personal hardship. It is absolutely ludicrous that even upon confirmation with the maker bank of no issues ( the maker bank being the supposed reason for my hold ) that my money is still being held. I am a long term customer, gainfully employed with direct deposit, and am being offered no other reason as to why they are holding funds.
Consumer complaint received 2022-10-22
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. (FL)

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My checking account and line of credit was hacked and approximately {$80000.00} was taken and spent in a foreign country. Wells Fargo failed to monitor my account and I did not learn of it until my next bank statement arrived over ten days later. I immediately contacted Wells Fargo and they said they would look into it. A check for approximately 10 % of the amount taken was sent to me and Wells Fargo declared the complaint was settled. When I disputed this resolution they then said they were reopening the matter. Since then I have heard nothing from the bank. I have heard nothing from them about their " continuing '' research and do not know anything more that stated in my initial complaint other than that it is still being studied.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (DE)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2023-07-19
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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