davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (MN)

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. 

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  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 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 2023-02-28
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. (GA)

I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I just won a judgment against XXXX XXXX. They were to correct to all credit reporting agencies to change the late payment in XX/XX/XXXX to not late. It was never late. This company also increased to loan balance when I first tried to refinance the house in XXXX. They increased the balance from {$240000.00} to over {$500000.00}. This was an effort to lower my credit score to enable me to refinance. I have proof ( screenshots ) of when they accelerated this debt in XXXX. When I contested this, the informed the credit agencies a have a balloon payment. I did not sign any balloon contracts. This is a conventional loan. To this day, XXXX refuses the correct the reporting of this report. 

On XX/XX/XXXX, XXXX purposely reported their attorney fees as late charges to harm my credit rating. Additionally, this cause a 30 day late payment. There was no reason to add their attorney fees to my credit because they lost in court this past XXXX and I was awarded my attorney fees to be paid by XXXX. Once I requested a payoff on XX/XX/XXXX, they reported the false reporting of me being {$78000.00} past due on XX/XX/XXXX. 

I have submitted several times to all credit bureaus the judgment from the trial. Additionally, XXXX  is still reporting my balance due is over {$500000.00} and refuse to correct this for reporting reasons. 

I need XXXX  to correct all 30 day late on my credit. Correct the balance due on the loan It is not over {$500000.00}. They lost in court. The judge ruled against them.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2023-02-24
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: DISCOVER BANK (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA FEDERAL FUNDING IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. USAA HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had Capital One XXXX XXXX credit card, which haS {$390.00} annual membership fee posted on my account on XX/XX/XXXX for coming year. I feel this fee is too high for me, want to cancel the credit card and get the annual membership fee refunded. 

I called Capital One customer service on XX/XX/XXXX, saying want to close the account, the customer service agent confirmed with me within 60 days of the posted on the account, if I close my account I will get the annual membership fee refunded, I have until XX/XX/XXXX to close and advise me to wait and think thru. 

On XX/XX/XXXX, I called their customer service again to close my account, while the call to close the account, another customer service agent also assured to me I will get my annual membership fee back ( since it is within 60 days limit time ), just took some time to post. 

On XX/XX/XXXX, I still not see the {$390.00} refund to my account although the account is already closed, I called customer service again, now the agent said refund is only if I close the account within 40 days after the amount is posted. They had no way to refund my annual membership fee {$390.00}. I called again to customer service without any solution was provided. 

I feel I was given the wrong information twice, now I am out of {$390.00} and closed the account which negative impact on my credit history too. Please help to solve this issue, Thanks a lot
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Owed a dollar to banter credit the month before this it was XXXX. Paid the XXXX dollars and got another bill for XXXX. Assuming bill was paid. Got somehow XXXX balance??????? Called and said that something is wrong that I paid card off. She said I owed a dollar somehow, and charged me a late fee. To resolve it without an argument I just told her to take the XXXX dollar charge for being late that she requested along with the dollar that they claimed I owed. Gave her my card number over the phone. Next month and harassing calls Im told that it was never paid. The charges are up to XXXX so far. I told them this was resolved per telephone and paid in full. That I dont owe them anything.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I went to my bank Truist on XX/XX/ and asked that my business 's checking and savings account be closed. I was told it may not happen until the next day until a check cleared, which was written on the same bank. The next day came and the bank lady called me at an inopportune time to talk to me for some reason. 
I could not talk and told her to close the account again! 
The next week I see that the account had some drafts against it for overdraft fees and I went to the bank again and told them the account should have been closed and those drafts would have gone back to the vendor and they would have notified me but instead the bank paid them and charged me a fee for which they said would be reversed. 
The bank could not figure out how to reverse the {$36.00} overdraft fee. 
I sent my husband to the bank with the cash to pay the XXXX 's that were not supposed to be paid but alas, they were, and for getting the account closed. 
They still have not closed the account and other drafts have come through and the bank paid them instead of denying them as the account should be closed. 
I have since contacted all agencies that have that account and changed the XXXX 's. 
The practice of keeping an account open when told to close is should be illegal. 
Please advise.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to report an issue with a loan serviced by XXXX XXXX, which has resulted in incorrect reporting on my credit report. Despite my diligent efforts to address this matter, the incorrect loan amount continues to reflect as late, although the payment has been made in full and on time. 

Specifically, I have reached out to XXXX XXXX to rectify this inaccuracy, but they have not taken appropriate corrective action. Additionally, I have disputed this error with the three major credit bureausEquifax, XXXX, and XXXX the inaccurate information remains uncorrected. This error is negatively impacting my credit score and financial standing, and I am seeking the CFPB 's assistance in resolving this matter to ensure accurate and fair reporting.
Consumer complaint received 2023-02-23
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. (TX)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Deposited a cashiers check and a 7 day business hood was put on it. Per federal government a cashiers check should not be placed on hood in excess of two days since the money is deemed available. The bank never called to verify funds as the number to the financial institution was on check. They have caused great financial distress by making me late with rent. This was a cashiers check not a personal check they labeled the check as doubtful collection when I have never had any fraudulent activity on my account since opening my account they labeled me and held my funds for no apparent reason and still not understands no the excessive hood on a CASHIERS CHECK
Consumer complaint received 2023-02-28
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)

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

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States 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 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, other than records of conviction 's 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 2023-02-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE (MI)

I have an attachment of how much is owed to this debt collector the debt collector is velo law office in XXXX XXXX Michigan I only owe XXXX  and they basically garnished my entire state tax return in the amount of XXXX dollars they are not entitled to my whole entire tax return all I want is for them to send me the money they owe me back
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I was a longtime Wells Fargo customer. Checking, Savings and Mortgage... I know there is damages claim currently active and Wells Fargo is supposed to be contacting me and informing me how to file my claim. 

I have not received any communication through them.
Consumer complaint received 2023-02-28
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 ACT XXXX XXXX XXXX  ACCT XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-28
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. (CA)

Account XXXX is being inaccurately reported and have failed to provide validation of the debt with a signed copy of the contract. There are several inaccuracies that have been reported under my identity and I have sent in multiple complaints to the bureaus asking for validation of the debt, to verify and ensure the debt reported is mine. Due to the erroneous mistakes, I have requested an immediate investigation. 

Below is a list of all innacurrate information : Account number is not provided Original creditor is not provided Creditors name is being reported as XXXX XXXX XXXX XXXX under Experian Experian reports 63 missed negative months XXXX is unknown payment history Creditors name is being reported as XXXX XXXX XXXX  under XXXX Experian is reporting the contact address and phone number as : Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX 8. XXXX is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2023-02-28
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 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
Consumer complaint received 2023-02-28
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-02-28
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}