davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (TN)

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In 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 an or my account without my written instructions.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I've paid more than I borrowed initially, so this loan should considered paid in full and closed as of today. 

On XX/XX/XXXX, I borrowed {$1200.00} and as of today I've paid {$1600.00} As of today, Speedy Cash records reflectd s Loan Balance of {$1100.00}
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I have contacted the company and they were collecting debt from someone other than me. i did not authorize or sign for any debt, and my ex wife not legally my wife provided false information to the debt company making flase claims its my debt and the collection agency altered the debt collection and stated that im the biological father and therefore its my debt. this is not a legally permissible way to incur debt, an my ex wife provided no information that legally they could add my name to a debt owed by her she is the custodial parent and is in charge of the medical invoices. i provide medical insurance. i have not signing authority for her medical
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days. 

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt. 

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MN)

Good morning I have been a customer of Wells Fargo for many years. I live in XXXX, XXXX. That's why I opened an account at that time, which charges little account maintenance fees. 
In XX/XX/2022 I got a letter from Wells Fargo that I have to close the account because I don't have a permanent address in the XXXX XXXX XXXX XXXX I didn't understand why Wells Fargo is requiring this now and I haven't found any federal law in the XXXX that requires this. I felt a kind of discriminated against at the time, but accepted it. 
I tried to transfer my funds online from my Wells Fargo account to XXXX. Unfortunately, that didn't work out because I don't have a permanent address in XXXX. 
I called Wells Fargo on my own costs and was told that I needed to fill out an Account Closure Form. This form must be verified by a notary, it must be mailed Wells Fargo Bank Exception Payment Account Closures in XXXX and the beneficiary must be the account owner. Since I personally do not have a USD account in XXXX, I indicated the bank account of my wife, who has a USD account, and had this change confirmed by the notary. 
In my opinion, the bank holding the account has only XXXX right and duty, it must clearly identify the account owner. Wells Fargo has done this via email contact and phone contact, but the bank has no legal right to ask for a specific beneficiary. Anyway, my lawyer and I have not found any mandatory law in the American legal system. 
My attached account closure form with a new account in my name and my wife 's name is again not accepted by Wells Fargo. Wells Fargo now requires that my request be confirmed by the XXXX XXXX in XXXX and that the request be sent by mail again, even though I always communicate with Wells Fargo 's compliance department via secure email. 
I don't understand Wells Fargo 's behavior because the money in my account is mine and I can transfer it wherever I want. 
There is no federal law in the XXXX that dictates who I send my money to. 
My suspicion is that Wells Fargo 's action is systematic with the purpose of wearing down foreign bank customers without a permanent XXXX address and forcing them to give up their funds. 
I respectfully request that you address my concerns on behalf of all other foreign customers without a XXXX residential address. 
Best regards XXXX XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A credit card from several years ago for a company no longer in existence was charged off. Bank of America deducted {$2800.00} from my account today which leaves me unable to pay rent. When I called them they said they were sorry and there was nothing they could do about it. I asked if I can set up a payment arrangement and they said yes and that if I did, that would make it so they don't take all but {$100.00} from my account. I asked If I did that, would they reverse the charges and set up the payment arrangement they said no because the deduction is still " pending '' and there was no payment arrangement in place. I told the representative I was not told to set up a payment arrangement nor that if I did that it would stop the payments from taking all my money and leaving me with only {$100.00}. As far as I'm concerned, Bank of America committed fraud and has now put me in a position of becoming homeless as a result of their inability to communicate my ability to make payments and instead withdrew all the money in my account leaving me with {$100.00} and no rent money.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer report : XXXX XXXX NA Inquiry date XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

For the last XXXX years i have been disputing with XXXX XXXX  XXXX XXXX ) about their reporting of late payments and multiple charge offs for XXXX account that they claim has a {$4800.00} balance. On XX/XX/year>, I sent them a cease and desist but they continue to report negative and inaccurate information. Furthermore, XXXX XXXX  has insurance on all its accounts up to {$250000.00}. Upon information and belief, the FDIC insurance has been applied to my account but i have not experienced the benefits of it. 

When i requested an accounting of the account, XXXX XXXX  sent me statements, which was not what i requested. i returned those statements to the sender. 

As a result of this XXXX year long battle, i have lost personal and business credit opportunities. i have been harmed terribly by the inaccurate information that XXXX is reporting to the XXXX consumer reporting agencies ( and probably several other CRAs ).
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Progrexion Holdings, Inc. (LA)

Louisiana child support enforcement was contacted to prove obligations owed to them. They have been reporting to my credit for 2 years now unlawfully. Furthermore I have used XXXXXXXX XXXX and XXXX XXXX to assist with raising my XXXX score.
Consumer complaint received 2023-02-04
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. (AL)

They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf 1000 a violation it came off my other 2 reports but some how comes back again thats not accurate information on my credit so I want it deleted
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 XXXX  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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
CITI XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.