davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Account, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian 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 an account without my written instructions. 

15 U.S.C 1681 Section ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

The company XXXX XXXX XXXX XXXX XXXX opened this account up XX/XX/2024 for XXXX XXXX  and trying to collect {$690.00} and recently reported on me XX/XX/2024.
Consumer complaint received 2022-08-14
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. (VA)

On XX/XX/XXXX. 2022, I mailed the three credit bureaus a letter of dispute with supporting documentation by certified mail. As of date both XXXX and XXXX XXXX is still processing my dispute. 

I'm disputing an account reported as a delinquent account. My Experian credit report failed to indicate when account was opened, closed and failure to indicate when account was 30, 60 or 90 days in arrears, only displaying dashes which indicates " Data Unavailable '' preceding " XXXX XXXX " notated the following month. 

On XX/XX/XXXX Experian sent me an email notification " Dispute Open '' On XX/XX/XXXX I received another email notific3ation " Dispute Results Ready ''. I called Experian Dispute and spoke with a dispute representative on XX/XX/XXXX. She started an online dispute. 
Again I received an email notification " Dispute Open ''. XX/XX/XXXX another email notification " Dispute Result Ready ''. How could both disputes by mail and phone have the same 24 hour timeframe? 

Experian reponded the creditor 's information is valid. What information? Only information is balance amount and " Collection ''. Data still remained unavailable with dashes and no information of account open and close dates. 

I believe no Investigation was conducted by Experian. 
I'm excerising my consumer right by FCRA " I have the right to dispute incomplete inaccurate and unverifiable information ''. 
It's my understanding if an dispute is intiated by mail, the process continues in such manner and results returned to me by mail. 

I am submitting complaint to see statements for the validity of what's reported or have it removed from my report.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is.

15 USC 1681 ( a ) ( 4 ) 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
Consumer complaint received 2024-08-30
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. (CA)

ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX  XXXX ) received that letter with certified returned receipt : XXXX on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 

TRACKING NUMBER : XXXX
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

Well in short for several years now, I have been trying to pen a personal checking account with XXXX XXXX, TD Bank North and XXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXX XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates TD Bank North XX/XX/XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Experian demands that I pay them {$24.00} a month to lock my credit file. I am subject to a constant stream of high interest personal loan offers, sometimes 4-6 a day, which Experian is the main contributor to. 
I should not have to pay to stop this flow of unwanted and extremely questionable offers I do not want or need. 
Experian continues to advertise my total debt at more than twice what it really is based on an erroneous mortgage from XXXX, which is the responsibility of my ex-wife, and I do not pay, nor have interactions with.
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act, XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I recently was denied an extension of credit due to inaccurate information being furnished to my credit report by Wells fargo which has ruined my reputation. Wells fargo privacy policy does not supersede federal law. Congress has made it clear 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. Wells fargo 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraudulently furnished late payments without my lawful authority. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. Pursuant 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. My initial letter, which was received by Wells fargo on XX/XX/2022 ( Tracking # : XXXX ) Wells fargo has failed to provide me with proof such as a tracking number or a certified mail return receipt bearing my wet signature that they adopted reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date, these alleged late payments must be removed. Wells fargo has violated federal law and spread negative information about me in an attempt to coerce me to pay an alleged debt. Wells fargo has sold my customers private information and misrepresented facts of contract in an attempt to extort me. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. If not I will have no choice but to escalate this up to the attorney general and I will point out just how deep this fraud goes and how Wells fargo and the credit bureaus have been working together to commit fraud and violating the privacy of millions of its customers. Such acts on a grand scale is grounds for investigation according to The Racketeer Influenced and Corrupt Organizations Act.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (MD)

After resolving the previous issue with FNBO on my other credit card. Today as of XX/XX/22. I received a notification of FNBO slashing my limit on my other card the FNBO Getaway to {$500.00} without warning or issue at all. I know they are a conservative company but this is getting a bit ridiculous. This will have a negative impact on my credit score
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

Hello, My car was deemed a total loss and my insurance totaled the car out and sent Hyundai Finance a check in the amount of {$22000.00} that they received and processed XX/XX/22. I checked my account XX/XX/22 to verify that it had been closed but it is reporting as a repossession and saying I owe XXXX, I called Hyundai XX/XX/22 to see what was going on they told me they didnt know and would request for the account to be closed and it will take 5 days, I allowed the days and called back on XX/XX/22 and was told there was no change and they were still unsure why it was reporting thats way. I expressed to them that this has ruined my credit that Ive worked super hard to rebuild and Ive been a good customer with them. They said it could take months for my credit to show it as a total loss. Since then Ive tried to get a new vehicle for me and my children and I have been denied everywhere with every bank due to Hyundai reporting my car as a repossession. This is causing a very huge strain on my life I am the sole provider for me children and I cant get us another vehicle due to this false information being reported. I have a letter from Hyundai stating that my insurance paid the car off and it is a total loss not a repo but even when I have presented this letter to banks or car dealers im still not able to get anything! Im really truly in a tough spot and needing assistance because I get the run around from Hyundai being transferred to different departments and told nothing. Please assist me in getting this information corrected so My family and I no longer have to suffer.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 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 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Citi bank closed my account you will see in the attached pic. also the account was up to date and was on autopay. back on XX/XX/year> i send them as the agent of the XXXX XXXX notice of claim to intrest as an order to pay with explicit instructions.Also attached was the coupon/bill of exchange that was properly filled out per ucc 3-204. Also again I did send out another notice to claim XXXX to cure 2 attempt along with the coupon/bill of exchange again with explicit orders. They closed an account that was on autopay and was current. Citi bank states that they dont accept that form of payment, that is untrue and most accept that form or payment. Also they refer to advances of funds and obligations to repay are to a PERSON I am not a person. They send a bill with an XXXX XXXX  ' name attached to it and expect me the man to pay that i fraud 18 usc 1342 another example of them commiting fraud is 18 usc 1025, Citi bank needs to be aware that per 18 usc 8 obligations of the united states , also 31 usc 3123, and ucc3-603 tender of payment.What i was asking for was fair and falls within the laws Citi bank has broken their fiduciary duties and has breach of contract. They disregard the Federal Reserve Act section 16 ( 1 ) and ( 2 ) and also section 29 ( a ) ( b ) ( c ) Tier.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to make a complaint against TransUnion for reinserting an inaccurate fraudulent account on my consumer file. As a consumer, I am aware according to the law that if any information is deleted from my file the information may not be reinserted if I am not notified five days after the reinsertion. I was not notified that the reinsertion took place nor was I provided any information from the furnisher or TransUnion saying that the information is complete and accurate. 

Furthermore, this account was also listed on XXXX and XXXX as well, yet TransUnion is the only consumer reporting agency that reinserted this account. If it was in fact verified from the furnisher, why is it not on the other two consumer reporting agencies? I am also aware that I am required to give you consent to report anything to my file. If I did not give TransUnion consent to report this information on me, your wrongdoings are considered fraudulent. 

I am also aware it is your duty to uphold fair and accurate reporting. This is not considered fair or accurate. 

TransUnion is partaking in fraudulent activity as well as extortion by bringing financial harm to myself and my reputation. Racketeering activity is described as two more activity patterns that have both been executed by TransUnion. I am also aware that racketeering can lead up to imprisonment for more than 20 years. This is my last step before I intend to not only sue but to press charges against the XXXX & XXXX, XXXX XXXX and XXXX XXXX for racketeering activity.
Consumer complaint received 2024-12-15
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 have been staying in hotels for the past 2 months and have had no problems with the merchants charging accordingly. A previous time, the hotel put a hold on my account which reflected in my account as a negative debt ( a charge ). I was paid by my job shortly after that so the account was brought to positive. About a week later, I was making separate purchases and transferred funds from my savings to my checking in the exact amount I needed for the purchases. Two days later, the bank charges me XXXX overdraft fees for those XXXX purchases because the hotel fee was somehow removed and charges again between the time that it was already charged and the time I made my next purchase. This also caused every future automatic payment to generate an overdraft fee. I called in at XXXX fees to which degree they said they would reverse only XXXX. I paid for my charges minus the fees they said would reverse. The next day I get another overdraft fee for another negative charge because they did not reverse their fees as promised. These fees are {$35.00} each regardless of the cost of the item. Dates are XX/XX/year> to current.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my fico score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

I am writing today because my identity was stolen and used not once but twice. I received notice from a company called RECEIVABLES PERFORMANCE claiming I owe {$700.00} XXXX. I immediately reached out to RECEIVABLES PERFORMANCE in XXXX and XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. XXXX XXXX requested I send a fraud dispute letter in writing and a XXXX would contact me regarding the unauthorized accounts. As of today RECEIVABLES PERFORMANCE has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.
Consumer complaint received 2022-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2022 I sent a certified letter to Midland Funding LLC requesting a verification and validation of this alleged debt. I requested detailed information and letting them know that I wanted proof of the alleged debt from them. I will include the letter that was sent. On XXXX XXXX I received a letter. What I requested was not enclosed in the letter. Now I am requesting from the CFPB to investigate this matter. This is an alleged debt that was not proving that it belong to me. I am requesting that the alleged debt be removed from my credit report immediately from Midland Funding LLC. Midland Funding LLC failed to prove that the debt is mine. Midland Funding LLC did not reply accurately to my written demand for proof. I will include the tracking number for the certified letter and the letter itself, asking for proof. Neither of the requested information was provided.
Consumer complaint received 2022-08-13
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. (FL)

Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.
Consumer complaint received 2022-08-13
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. (MI)

you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Well in short for several years now, I have been trying to pen a personal checking account witXXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 360. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates Capital One 360 XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX  XX/XX/XXXX