davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

1.I have never had an account with this company WF BANK NA XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK NA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (LA)

On my report it states that I also go by the name XXXX XXXX. This is incorrect. I believe she attempted to steal my identity and use my information to obtain internet services. 

Also my criminal background report is incorrect.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-22
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with XXXX, the seller ( XXXX ) of the product didn't credit my XXXX account, once they received the product back in their stock. I then opened a " Dispute '' with XXXX, so that they would investigate and provide a resolution. XXXX 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with XXXX. With the account in good standing I then ceased to make any further payments, until I received their resolution. XXXX 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, Experian, XXXX and XXXX. Experian 's data has the XXXX installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask XXXX to please contact Experian and remove this incorrect data from my credit report. I tried to file a dispute with Experian and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. XXXX is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to Experian in the first place!
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested XXXX, XXXX, and Transunion update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Consumer complaint received 2022-11-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CULLEN/FROST BANKERS, INC. (TX)

I was contacted to place an Ad in a XXXX XXXX magazine to promote my XXXX XXXX services In XX/XX/XXXX. They sent me invoices I paid with my debit card and they never produced the magazine.On the invoice it states the services I am supposed to get that I did not. I got the run around every time I called they said it was delayed. In XX/XX/XXXX I realized something was not right and I lookied onto the XXXX Website and found pages of other complaints as to the fraud that XXXX did to other people and small businesses. He took their money and never produced the magazine or their ads. I then contacted my bank to report the fraud and dispute the charge. My bank said it was past the 6 month cut off for disputing charges and they could not help but told me to file a complaint with the XXXX which I did. I finally reached an 2 past employees. One her name is XXXX, was able to reach the owner XXXX XXXX who told her he would refund the money to me. He responded to my email saying he would check into the matter and get back to me. When he finally called me he said why dont you just have your bank reerse the charge. I was honest that it was past that cut off time. He said he would check into getting my refund and get back to me. =He has not and will not respond to any of my communications anymore. I have called texted emailed and he will not respond. This man has several company names he does business under. I have all of that information along with all the other fraud complaints toward him and his businesses. He needs to be stopped before he frauds another person. I am a small business a XXXX XXXX XXXX and single mom and am now out {$2000.00} and struggling just to make ends meet. Please help me and the others that have been victims also of fraud as XXXX is still in business with a functioning website phone number and employees. His personal cell is XXXX Business Phone ( XXXX ) XXXX, Email : XXXX AND XXXX These are some of the company names XXXX is using : 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 XXXXXXXX XXXX XXXX XXXX Here are the two addresses I have for him : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-11-19
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finance lease end buy-out interrupted with Covid-19. I paid off vehicle in full XX/XX/XXXX. XXXX agrees and acknowledges to CFPB full payment received XX/XX/XXXX. - see attached highlighted dispute response XX/XX/XXXX. Bank statement of my payment withdrawal also attached. Repeated ignored follow up calls and emails to XXXX XXXX XXXX XXXX for them to complete title transfer after they received funds- see attached records. They wouldn't process transfer paperwork for 4+ months. A XXXX Service Rep told me the paperwork on my XX/XX/XXXX purchased vehicle was also sold to wholesaler. Rather than accepting error, XXXX continued false charge-off reporting thru XX/XX/XXXX. They have been made are aware and continue to provide incomplete and inaccurate responses to XXXX and CFPB. To date, XXXX refuses to provide me a breakdown of payments made ( including lease extension payments ) against actual amount paid at XX/XX/XXXX buyout. And why they had reported charge-offs into XXXX. For 2+ years XXXX has violated my Federal and State rights under FCRA and has made inaccurate statements to CFPB on this matter. They refuse to provide confirmation documentation of the sales price per terms of lease buyout ( extension payments should have been deducted ). Hyundai Motor finance has a serious history of consumer credit reporting violations as evidenced in the most recent XXXX XXXX penalty for widespread credit reporting failures.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2017 I purchase aTV from XXXX. Eighteen consecutive payments were made through XXXX  XXXX XXXX Bill Pay for a total amount of purchase plus {$100.00} an overpayment. I kept getting chargebacks, late fees and lately no payment notices. I contacted the bank ( XXXX whom in turn contacted CITI bank and they promised issue would be solved. It didn't. XX/XX/XXXXXXXX XXXX sent notice that payments had been made to no avail. I sent a letter to CITI Bank with full disclosure of payments from XX/XX/XXXXXXXX XXXX. It was ignored. XX/XX/XXXX XXXX on my request contacted CITI bank, again, no results. I haven't been able to contact a physical person from CITI Bank to help me. I have all documentation from XX/XX/XXXXXXXX XXXX showing all pertinent data, no answer. I keep receiving notices of nonpayment at which point I need help.
Consumer complaint received 2022-11-19
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. (NJ)

The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

National credit adjuster has that I was a co signer at an apt I never stayed at. I was in Florida when my mother XXXX XXXX got that apt . So how would I have been able to sign the documents. Please need this off my car bc I never lived at the property
Consumer complaint received 2022-06-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX I received a credit card in the mail from Wells Fargo - that I never asked for. On XX/XX/XXXX I called them to ask why XXXX they said it was because I'd applied for financing and if I cancelled the account I might lose the financing. I had applied for financing through the XXXX XXXX XXXX in XX/XX/XXXX for plumbing services. The XXXX XXXX XXXX confirmed that they are not involved with Wells Fargo. I called back to Wells Fargo and was told that they would cancel the card and the account. This is phishing! Another underhanded way they are trying to drum up buisness.
Consumer complaint received 2020-10-08
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a capital one credit card such that I am having difficulties paying the credit card off as I am experiencing extremely high interest rate of 29.99 % I have been a capital one credit card customer for about 10 years. My monthly interest rate alone is over XXXX $ a month. It makes it impossible to pay the credit card off. I called today to ask for a lower interest rate. The service rep placed me on hold for over 10 mins than communicated to me they can not provide a lower interest rate.
Consumer complaint received 2022-12-14
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. (AL)

It looks like some of the inquires were already removed by some of the companies before i sent the last dispute. Also some accounts were listed incorrectly I have the correct one now. These accounts are fraudulent. Will pursue financial compensation is issue is not resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous letters to Transunion/XXXX reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NC)

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.