davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (PA)

I XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.
Consumer complaint received 2022-06-17
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. (IN)

in accordance with the fair credit reporting act convergent 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 the XXXX account is reporting # XXXX Date:XXXX Amount {$13000.00} and the TransUnion account is reporting # XXXX Date : XX/XX/2021 Amount {$13000.00} it is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so please delete this erroneous item immediately account # XXXX DateXXXX Amount {$500.00} has violated my rights Account XXXX XXXXXXXX Date:XXXX Amount : {$410.00} has violated my rights Account # XXXX Date : XX/XX/2021 Amount : {$2100.00} has violated my rights
Consumer complaint received 2022-06-17
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
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: Nationwide Recovery Systems, Ltd (FL)

This is a formal complaint that the company NATIONWIDE RECOVERY SYSTEMS and XXXX  are reporting misleading, fraudulent, and unverifiable information on my credit report. The account that is being reported is from XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$1400.00}. The account number is XXXX. First, I did not receive any documentation from any one of these companies to validate that I am responsible for this debt or that they intend on seeking collection. I just woke up one day and this account popped up on my credit. Secondly, I have disputed this debt in the past because the account is fraudulent. The result of me disputing this account in the past, was that the account was deleted because someone used my information in the emergency room. I am a victim of identity theft and I have made multiple police reports, FTC reports, and disputes. I have also locked my credit report with all three bureaus. I called the debt collection company about this debt to tell them that this account is fraudulent. The manager " XXXX '' was very rude to me and told me there was nothing he can do. Why is there an old account from XXXX  being rereported that was already removed due to fraud? I am requesting that all of the companies I am making my dispute against delete this account from my credit report, delete my information from there systems and do not sell my information to any other debt collector. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. If this account is not deleted, I do intend on taking legal action. This is causing my family serious financial stress. This is unfair. I am also requesting all the information these companies have regarding this account. I have attached a police report that I filed when I first became aware that my information was compromised.
Consumer complaint received 2022-06-17
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. (NC)

The Credit bureaus stated that the accounts reporting on my report were investigated but how is that possible if dates, addresses, and names are inaccurate. This is grounds for removal. Furthermore, they have violated my rights under 15 U.S.C 1681 section 602A which states that I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

Also the Credit bureaus took more than 30 days to complete my investigations, here is my certified mail traXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have banked with Wells Fargo for over 10 years and Im about to close my account and move to a different bank. Their overdraft fees are outrageous. I got charged 2 overdraft fees in less than 24 hours despite my direct deposit hitting the next day. I tried to call and speak to a representative but the person who answered was so rude and hung up on me within 30 seconds of answering the phone. I tried calling back and was put on hold for over 45 minutes. I have grown to hate this bank. Their customer service is awful and their overdraft policy is beyond ridiculous. Getting charged over {$70.00} in fees for having an overdraft of {$1.00} should be illegal.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had reported to them that my identity was stolen and needed them to look into it. Also I never got to use none of these accounts at all and its making it hard for me to get a bank account and I just wan na be able to get a bank account and be okay
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my card in full on XX/XX/2022 and need to use it to purchase groceries. Although the balance is XXXX and the payment shows as processed, the card company has put a hold on the account and will not permit charges until XX/XX/2022. I was not informed this would be the case. And, I have regularly paid off the balance and had immediate use of the card, so I dont know why the hold occurred. When I called today, XX/XX/XXXX, to inquire, I was told there was a random hold, that sometimes happens and that it would be released on the XXXX. I asked numerous questions about why there was a hold and whether it could be lifted so I could purchase groceries. I spoke to 2 different representatives and they could not answer these questions. I asked about speaking to a supervisor and was advise they wouldnt be able to do anything either. I could have not paid the bill and used my money to buy groceries had I known this would happen. In addition, I believe this puts the card company in an advantageous position over me in that they can collect interest on the investment of my payment, while not only can I not use the credit, but Im not earning interest on the money I could have left in my personal account instead of paying a bill that they wont process. I have never made late payments and have a history of regularly paying off my bill. This appears to be an unfair tactic for no reported reason that benefits the company and disadvantages me.
Consumer complaint received 2022-06-17
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. (TN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
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. (TN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TN)

I've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.
Consumer complaint received 2022-06-17
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX ( Original XXXX : 10 XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-17
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. (AR)

Im accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2024-10-27
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Hyundai Capital of America, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware, this entire claim is regulated by an arbitration agreement, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date, there have been no arbitration proceedings. As a direct result of this, it is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file.

2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

4. Remove any and all late payments.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. I look forward to resolving this issue promptly.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX
Consumer complaint received 2022-06-17
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. (NJ)

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

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the XXXX Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Consumer complaint received 2022-06-17
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. (TN)

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

15 US 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.
Consumer complaint received 2022-06-17
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. (NJ)

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

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the 3 Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (AR)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against UCB Collections, for committing identity theft. I have never given ( UCB Collections ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). 

I have not validated any alleged debt with ( UCB Collections ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving ( UCB Collections ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from ( UCB Collections ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( UCB Collections, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( UCB Collections ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( UCB Collections ), continues its collection efforts, I will file for litigation for actual damages caused and ( UCB Collections ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-06-17
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 ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-06-17
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. (TN)

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

15 US 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.