davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have mailed out four dispute letters each to XXXX, XXXX, and Experian, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 my Wells Fargo checking account was breached and funds were stolen via XXXX payments. In a short period of time, my email contact information was changed, I was unable to access my account online, and a XXXX account linked to my Wells Fargo checking account was opened unbeknownst to me. I have never used XXXX nor have I ever set up a XXXX account. 
I woke up the morning of XX/XX/22 to many text and email messages indicating that multiple XXXX payments had been made and that several more were processing. I called the bank immediately and asked that my funds be frozen. I filed a fraud claim with Wells Fargo, terminated my checking and savings accounts and opened new accounts with them. I also ordered new checks and a new ATM card. I also changed my username and password and changed the contact email back to its original address. 
XXXX XXXX payments of {$100.00} were sent to recipient I do not know ( XXXX XXXX with an email of XXXX ). The fraudulent contact email that was temporarily used on my Wells Fargo account was XXXX. 
I never created the XXXX account and I never authorized these transactions. These transactions were made from 2 computers on the East Coast and one in the midwest. I also asked the fraud specialist ( I spoke to multiple resolution specialists and mangers ) never to allow a XXXX account to be associated with my accounts in the future. On XX/XX/22 another attempt was made to set up a XXXX account. This time I called immediately when my contact email was again changed. This time the email was XXXX. 
After filing the fraud claim, I heard back from Wells Fargo that they were closing the claim. Their reason was that I had authorized the transactions. That is untrue. I never authorized these transactions. I knew nothing about them until I received the messages about the XXXX payments. That authorization was part of the fraud. 
Ive tried to bring this claim to the attention of a more executive branch of the bank, but Im contacting you for help. These large banks have created XXXX, which is immediate and irreversible. Its a flawed product that they should take ownership of and responsibility for. I feel very strongly that I am a victim of fraud and should be credited the {$800.00}.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OneMain Finance Corporation (SC)

To Whom it may Concern : I received a call from XXXX XXXX  with One Main  during my work hours which wasnt a good time for me. I will attach a picture and phone number XXXX from One Main called me from. Please request a recording of the call. The call came from XXXX ( XXXX ) XXXX at around XXXX Thursday XX/XX/XXXX the call screen shot is at XXXX duration XXXX 15 U.S. Code 1692d ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt He begin to call out the debt I owed with XXXX and other medical bills. He said I have all your accounts infront of me. With XXXX calling out my accounts I felt he was defaming my character. He also called out the last four digest of my social security as if he has me cornered. This is a violation of my consumer rights 15 U.S. Code 6802b. 

He then told me where is your moral. He then begin to call out my place of residence in a threatening way, letting me know yea I know where you live. I immediately thought about my wife and kids of now having protecting them, thinking of one day XXXX XXXX  could show up at my place of residence. I felt very threaten now I have to live my life wondering if he will show up to my place of residence. 

I felt threatened this is a violation of my consumer rights 15 U.S. Code 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I felt abuse and profane language towards me from XXXX XXXX  when he said where is your moral, you have charge off you owe conns and the medical debt. 
This is a violation of my consumer rights As a I felt I was extremely harassed, threatened and coerced into making a payment to the One Main account we discussed. This is a violation of my consumer rights 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 

He then transferred me to a supervisor who begin to say you breach your contract. This is the first time I experienced this type of behavior from One Main and this is unacceptable. My rights were violated! I am very shakin by this treatment from XXXX XXXX  of One Main. I had to have a conversation with my wife which she is now worried that XXXX can show up to my address at anytime. This is XXXX to my heart soul mind and family. 


I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Abuse and Harassment 3. Harming my reputation 4. Obscene and Profane Language toward the hearer 5. Attempt to coerce into paying debt
Consumer complaint received 2022-09-14
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. (TN)

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX am, and also a letter to Experian sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXXXXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Experian, XXXX, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
Experian, XXXX, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Consumer complaint received 2022-09-14
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. (TX)

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX ( Account # XXXX ). This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (UT)

We are trying to refinance our mortgage. When we first started our application we found an error on one of the credit reporting agencies. We submitted a dispute immediately. We were told if we provided copies of all relevant information we could get around the error. We provided all the court documents. Complete with the right and correct information. We provided the phone number and contact agent for the court to verify the error. We have provided all legal documentation to resolve this error. Now 35 days later when we are ready to close our loan and get it funded. The underwriter refuses to except our legal verified court documents proving the error. And is refusing to move forward until the credit reporting agency has it corrected. We have contacted them 6 disputes! They keep reporting the information incorrectly. They have incorrect docket number and discharge date for a bankruptcy. They say they verify the records through a third party vendor. XXXX. We have contacted them and they have the correct information now. But XXXX still wont fix this error!! We were promised when we began this process this error would not be a problem. Then at the very final stage the underwriter wont except prof fro the US BANKRUPTCY COURT XXXX XXXX UTAH. Give full prof of the error.Dont understand why Legal Court documentation is not acceptable to override the error? Seems like the underwriter does not take legal binding documents as prof!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2022-08-21
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. (MO)

I called Transunion to dispute an auto account with XXXX XXXX XXXX for several known inaccuracies and it was " verified ''. However, the information doesn't match the original creditor information as they are reporting it to Transunion. The account was in litigation due to errors and it is still reporting. Transunion refuses to remove this account but I do not understand why. They are currently in violation of 15 USC 1681 s-2 for reporting information with knowledge of errors.
Consumer complaint received 2022-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have submitted a dispute in reference to hard inquiry on my report dated XX/XX/2021. Ive had a conversation with capital one representative and couple days later, capital one reached back stating they dont see no inquiry on their end. I had to send in a dispute with XXXX and they verified that capital one ran my credit report on XX/XX/2021. They also stated it can be removed if capital one provides a letter stating the inquiry can be removed but capital one seem to be silent and not granting me the requested concern I asked for. This is violating of 15 U.S. Code 1679c.

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-07-13
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Equifax is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. Obviously, all three bureaus are reporting incorrect information. 

Based on the date of last activity, it is apparent that Equifax illegally re-aged this account. 

Also, Equifax failed to validate this account as the last reported date is listed as XX/XX/XXXX.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, TX XXXX XX/XX/2022 Dear TransUnion, I, XXXX XXXX consumer and natural person am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

2. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

3. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (IL)

On XX/XX/XXXX, I received a " Security Alert : Unusual account activity detected '' email from XXXX XXXX. 
That they " detected some unusual activity on your account ( s ). For your protection, your Online Banking access has been temporarily disabled. Our teams are diligently working to review your account ( s ) and will notify you when your access has been restored. '' I waited XXXX weeks and heard NOTHING from XXXX  ; I called on XX/XX/XXXX and they said no updates were available. I emailed that same day and was told to call customer support. 

I received a call from my other bank ( let 's call them XXXX XXXX  ) on XX/XX/XXXX, asking if I authorized a transfer of {$1000.00} from XXXX XXXX to XXXX XXXX To my best recollection, I did not authorize this transaction. Since my XXXX  account ( allegedly ) has been disabled since XX/XX/XXXX, surely no ACH transfers should be happening -- surely a disabled account is not... active to make transfers. 

I called again on XX/XX/XXXX and was told again there are no updates, the fraud team is going to investigate or is investing.

After 3 weeks of being locked out of my account, XXXX can not even tell me where they are in this alleged investigation, if it has even begun.