davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (ID)

XXXX, an ACH transaction was completed by XXXX XXXX XXXX  after XXXX that day. According to Wells Fargo it was immediately returned due " Insufficient Funds. '' Wells Fargo clearly states that they give everyone an " Extra Day Grace Period '' to settle accounts before being charged an over draft fee or returning the charge. I received my pay check just after XXXX on XX/XX/2023, there was nearly XXXX dollars already in the account, XXXX was applied on XX/XX/2023, tou checking account brining it to XXXX. My employer paid early, usually it will not be paid until the Friday. It clearly showed ony account, the entire day of XXXX XXXX, it remained there until the evening of XX/XX/XXXX. Therefore that deposit should have taken care of the ACH request of XXXX it did not, instead Wells Fargo revoked the funds claiming that the employer did not want it posted til Friday which they do not have any legal right to speak tou employer for any reason, the claim is false. They revoked my pay until XX/XX/2023 and by the they had already returned the ACH charge without funding even though the funds were available on XX/XX/XXXX. They not only stole funds from me for XXXX hours but they refused to honor the " Extra Day Grace Period, '' XXXX g that it's up to the system to decide payment or not, '' or that policy only applies to over drafts, to which this was a temporary overdrafts. Not only has Wells Fargo committed fraud but they have decide to be choosy on who gets the " Extra Day Grace Period '' even though there are no specifics and it is offered to everyone who has a Wells Fargo account. 
I keep getting the same excuses " were still processing the complaint, '' or " We can't do anything about it. '' Wells Fargo refuses to honor their policies and has committed fraud to which they refuse to rectify unless they are taken to Federal court.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I got a statement about XXXX savings accounts from Capital One that I did not request. This statement is XXXX pages long. I did not request these accounts to be opened. The period covers XX/XX/XXXX - XX/XX/2022. Me cell phone is XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Today, XX/XX/2022, I received a XXXX XXXX offer for an item I was selling. After agreeing to the amount and date, she claimed to want to send me the money now and pick up the item on the agreed upon date. I received an email from what looked to be zelle that my account needed to be upgraded. To do this, she was supposed to send me {$400.00}, that I would then return to her, and send a screenshot reply to the email. The names on the XXXX XXXX account and the zelle did not match. After sending the {$400.00}, I immediately called my bank, XXXX, because it didn't feel right. The associate saw that the transaction was suspended and tried to cancel it but was unable to. She then gave me the number to zelle directly, but they refused to help because it was done through my bank account and not a separate zelle app. 

I then received another email requesting even more money. She has messaged me multiple times since then asking if I have received this email.
Consumer complaint received 2022-06-08
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. (NY)

I have placed disputes on XXXX  separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX transunion reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had XXXX late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while XXXX reports XXXX lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX transunion reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX  reports 100 % on time with last payment XX/XX/XXXX and XXXX  reports XXXX lates with last payment XX/XX/XXXX. 
3. XXXX XXXX XXXX- transunion reports XX/XX/XXXX as last payment with no lates ; XXXX  shows 25 lates but only one XXXX late ( XXXX ) with last payment on XX/XX/XXXX while XXXX reports c/o every month last two years with no 1st delinquency date. 
4. XXXX XXXX transunion reports no lates with last payment XX/XX/XXXX, XXXX shows XXXX lates despite also showing XXXX with last payment XX/XX/XXXX and XXXX shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all XXXX immediately removed from my reports.

Attached is proof of what I am claiming. Please note despite these showing XXXX  as address too, each company had their own same letter addressed to them.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) 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 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 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, ( XXXX XXXX XXXX XXXX Original Creditor : XXXX ) ) has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  ( Original Creditor : 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 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) ) 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute several entries on my credit report, which I believe are inaccurate, unverifiable, and potentially fraudulent. Upon reviewing my credit file, I have found multiple discrepancies that are causing me significant distress. Your agency has failed to comply with the requirements outlined in 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

Additionally, under 15 U.S. Code 1681i ( 5 ), you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during your reinvestigation. If you are unable to provide verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the associated information must be removed from my credit report.

Furthermore, I do not recognize any of the creditors or debt collectors listed on my report and have never entered into valid agreements or transactions with them. These accounts may be the result of identity theft or other fraudulent activities, and I request that you expedite your investigation to prevent further harm, loss, or damages.

In addition, I believe my privacy rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2022-09-21
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. (NJ)

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality 15 US 1681. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXXl XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) 1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A section : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall notfurnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-15
Product: Credit reporting 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. (NC)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 3 unauthorized accounts and 8 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX  Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXXXXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
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 not reporting correctly, XXXX has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-06-08
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 the following have violated my rights ; XXXXXXXX XXXX XXXX acct # XXXX XXXX & XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX 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.