davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (MT)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX and XXXX XXXX XXXX  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 an 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 2023-07-05
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-07-05
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : 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 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 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 2023-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (WA)

I purchased cd instruments via the internet on us bank website without a human interface. I understood I have 10 days upon maturity to take action. In no document does it mention this must be done verbally. US Bank now tells me I must call or come to a bank. I will be traveling without ability to call in the time frame.

Given it is a reasonable expectation if you can buy something online you should be able to complete it the same way I asked for the following : 1. Automatically transfer the CD to checking upon maturity. - DENIED 2. Cash out now and forfeit the accrued interest but waive the penalty fee. - DENIED US Bank is opaque at best and the information isnt available where the CD was purchased ( had to XXXX it ). They are essentially holding my funds XXXX and will rollover to the same term. 

Please stop this unfair and predatory practice.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX Capital One Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.
Consumer complaint received 2023-07-04
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. (FL)

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX XXXX U.S.C XXXX681 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 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 or 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. 

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I saw and my monitoring credit bureus two inquiries I never request on my credit score.

I contact the banks and let them know It wasn't me. I sent letters, I called multiple times to the banks and the credit bureus and I never got any answer o solution to this problem.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (LA)

I have been having problems with my XXXX XXXX for about the last 6 months. After contacting Sears XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which in the beginning was difficult to reach a person ) and after waiting for appointments and parts, the Technician determined that the refrigerator could not be repaired. He was a nice and older gentleman. After not hearing from them like he said they would, I called them back after a week. I finally spoke to the Rep, XXXX XXXX XXXX XXXX she was courteous and explained the options I had available to me and then get back with them ( see email ). She further advised me the option included same specs of my current refrigerator. However, upon further review it was Not correct. I have not been able to get her to call me, but I have sent several emails to try and clear up the confusion ( see emails/pictures included ). I called Customer Service several times, last time XX/XX/ and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and explained my issues. He recommended I send another email and said his Support Team would be sending an email to the Rep too. She later responded by email that evening with the same response that I had to choose from the options given, which is not XXXX. No one has bothered to give me a courtesy call-in spite that I asked to speak with a manager. I feel they are forcing me to take less money. Pardon this analogy but, Sears is offering me the cost of a XXXX  for replacement of my XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX and Equifax must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX Regulatory Complaint Specialist that they should contact him personally for a 3 way call
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with Experian
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SIMMONS FIRST NATIONAL CORPORATION (NJ)

On XX/XX/2023 i hired a security firm XXXX XXXX XXXX XXXX XXXX to remove trojans from my computer. This XXXX asked for a different credit card to add to XXXX pay for future purchases. I gave my XXXX Credit card. Instead of adding to XXXX pay he purchased online from a Internet international provider heartlive.net {$120.00} twice. 
There is noway to contact Heartlive.net. 

I informed simmons bank but they informed me that since i willingly gave my credit card nothing they can do. 

I spoke to the softtech representative- XXXX XXXX The representative said just tell XXXX that XXXX XXXX, made a fraudulent purchase. But he refused to reverse it. 

XXXX refuses to stop payment. XXXX refuses to refuse to reverse it.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I calculated the amount of interest that I was being charged on my last month 's statement and I believe I am being overcharged by around XXXX % based on my calculations. I believe the payment I made was not accounted for when calculating the daily interest and this resulted in the XXXX % higher interest charge. If the credit card company is doing this to thousands of people that would be a problem and I think it should be looked into.
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Property Receivables, Corp (WA)

The apartment complex that has sent my bill to collections has made a mistake by charging me for the entire month of XXXX. I moved out a few days into XXXX XXXX XXXX XXXX and gave a proper 20 days notice prior to that. 

XXXX is confirming that this was the timeline as well based on their invoice. The invoice that was emailed to me shows I put my notice in on XXXX XXXX  and moved out XXXX XXXX 

Nowhere does this invoice show that I didn't put ample notice, nor did I stay the duration of the month of XXXX. Based upon XXXXXXXX XXXX  own records they sent over to you I should not be charged the entire month. 

It looks like XXXX has made a mistake charging and sending this to collections. 

Please Note : I do want to state that my true date of notice of moving out was XX/XX/ which I have documented via email. My actual last day at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This company violated my rights as a consumer. They were reporting to the credit bureau late payments during Covid under the Covid cares act XXXX Was Reporting to the Credit bureau as late payments instead of current, when I fell behind on my payments due to Covid, causing me to lose my credit card, I called and contacted them regarding this, and I was forced to make payment arrangements even though I did not have the money to make the payments after they continuous begin to hit my credit multiple times they violated the law, which states The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. They did not comply with this during my financial hardship, causing me to lose my credit card that I had been making payments on time until XX/XX/year> I fell on hard times and was unable to make those payments, and I called them stressing to them that I was unable to make the payments due to Covid and still end up losing my credit card
Consumer complaint received 2023-07-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-07-05
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

I just got a response letter from the Wells Fargo bank for their rejected my claim and closed the case. All of the listed reasons can not be accepted. They should answer why the XXXX account can be set up by a hacker and transfer my savings account money to a brokerage account. The suspect additional phone number in the opened XXXX profile was listed in this profile. Why that is not important for Wells Fargo? Once a hacker accesses the Wells Fargo Bank system to set up a XXXX account under my name, what kind of security protection to notify the account owner? 

Supplied XXXX evidence from the Wells Fargo Bank, is different than my internet provider, XXXX XXXX XXXX XXXX. Also, the Bank showed evidence that XXXX addresses were different at different times. Both XXXX addresses are different than XXXX XXXX XXXX. It needs to clarify which XXXX attacked my account, and why either XXXX is different than my current provider 's XXXX.
Consumer complaint received 2023-07-05
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-05
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-07-05
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. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 2023-07-05
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I am deeply disappointed and disturbed by the experience I had with Wells Fargo on XX/XX/2023. I visited a branch to close my checking account due to suspicions of fraud. The banker assured me that by opening a new account, my financial information would be secure. However, this morning, on XX/XX/2023, a previously authorized payment was deducted from my new account without my consent. I had not communicated any account changes to my merchants. 

Upon contacting Wells Fargo customer service, I was informed that they had merely placed the account on hold, and it had not been closed as I requested. It was only after speaking with a manager that I was informed that the account is now officially closed, and there is no 90-day waiting period for account closure. 

I find it utterly unacceptable that Wells Fargo allowed my new account to be debited without authorization and failed to disclose that my previous account 's automatic transfers would continue. It is evident that the banker intentionally manipulated this situation to avoid having an account closure on her record, while also benefiting from opening a new one. 

This experience reflects a serious lapse in professionalism and integrity, and it has left me deeply dissatisfied with Wells Fargo 's handling of my financial affairs. I expect a thorough investigation into this matter and a prompt resolution to rectify the damage caused by this incident.