davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

In XXXX of XXXX ; we took out an equipment loan for our corporation. 
In XXXX of XXXX ; due to financial hardships, the corporation was dissolved. We notified the lender via certified mail of this matter and ouXXXX XXXX XXXX  Bankruptcy filing. 
XX/XX/XXXX, XXXXXXXX XXXX : An unmarked tow vehicle with a small XXXX XXXX repossessed our business XXXX without notice. The tow company refused to provide documentation. We showed the title of the XXXX, but the tow company refused to acknowledge it. 
XX/XX/XXXX, XXXXXXXX XXXX : Called the Sheriffs department and learned that the vehicle was towed as a repossession. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to the Sheriffs department with proof of title. The Sheriffs department could not assist further and gave us the number for XXXX XXXX XXXX ( XXXX ). 
XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX; they directed us to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). They told us to contact XXXX at XXXX, stating it was a mistake. XXXX dismissed the title, saying it didnt mean anything and refused to send repossession orders. Directed us to contact XXXX at XXXX XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left a message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX XXXX Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Spoke to XXXX again at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : A fellow business owner informed us that XXXX XXXX XXXX said our equipment, personal belongings, and other business-related items were in storage and that the XXXX had been auctioned off. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Finally spoke with XXXX, who said he could not help as he only manages the repossession process. XXXX denied that the XXXX had been auctioned off and refused to provide repossession orders. He directed us to call First Citizens Bank at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Called First Citizens Bank ; they stated they could not help and directed us back to XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to XXXX XXXX XXXX, but the two addresses on file led nowhere. 
Eventually found their location in XXXX, and provided the vehicle title, but they dismissed it, claiming the repossession was for a vehicle owned by XXXX XXXX. They refused to provide proof or any documentation of repossession orders. They confirmed the XXXX had been sent to auction and that notices were sent to XXXX XXXX. Despite explaining that XXXX Since then, we have not received any notices, options, or ability to address the situation.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine
Consumer complaint received 2022-08-03
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDNEXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (PA)

Sequium sent me a letter dated XX/XX/2022 claiming I owed {$100.00} to XXXX XXXX XXXX. Following the instructions in the letter I emailed XXXX  on XX/XX/2022 ( see attachment : XXXX ). I used a CFPB form letter, changing very little of the text, requesting a copy of the last billing statement sent to me by the original creditor and all of the other information from the CFPB template ( XXXX XXXX XXXXXXXX XXXX 

I did not receive any kind of reply. 

I recently received another letter from Sequium, dated XX/XX/2022, trying to set up a payment arrangement. Since I already emailed them for more information about the debt on XX/XX/2022, I ignored the letter. 

On XX/XX/2022, I noticed on my XXXX  account that Sequium had added the debt to my credit history, taking me down XXXX points, even though they never got back to me with the requested information, which I thought was their obligation under the Fair Debt Collection Practices Act ( FDCPA ). So I emailed them the same text again ( attachment XXXX ). I have not received a reply. 

It is possible that this company thought I never replied within a specified time, but I did email them on XX/XX/2022. Their letters were not sent via registered mail, no delivery confirmation, and the envelopes were not postmarked and dated, so I threw them away. Maybe they never saw my email, but the attachments show that I sent it, per their instructions.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo called me on XX/XX/XXXX to ask if I had made a charge to a charity in amount of {$1000.00}. I said to there fraud department now didnt. They said they would mail me a new card that this one was compromised. Upon receiving the new card was no terms or conditions just to activate the card with new account number. So on XX/XX/XXXX I tried to apply for a loan to consolidate and I was turned down because of an erroneous charge being reported on my consumer report by XXXX but I have NEVER received my adverse action letter from the bank or the Credit Reporting Agency that the consumer report was obtained. I was looking for this on my online portal with Wells Fargo to see if it had been put there which was not. I started to notice that all of my statements from XX/XX/XXXX back towards the opening of the account where gone and missing from my online portal. I started looking closer at the new statements from that date forward till now and realized they changed my APR from an average of XXXX % APR. to now XXXX % APR. I did not have access or possession of the prior statements Wells Fargo did and upon requesting then I get them and they had changed all theAPR on those statements to match the new APR. to implied that I paid this all along when I know I did NOT. During the dispute process with Wells Fargo they continued to charge me the interest and demanded the payments. They have continued to send me irrelevant information and false and deceptive information, statements, documentation. Plus the day they did this they obtain my consumer reports on all three Credit reporting agencies. I have given then since XX/XX/XXXX to down investigation and they still say they need more time to right up to the statement date and give me fake erroneous information just to charge the higher interest and demand it paid. I know I would not agree to any interest rate of this extortion
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX I was tricked into making 5 unauthorized XXXX XXXX money transfers to the number XXXX XXXX that claimed to be my employer XXXX, as a way of verifying my identity and continue being able to transfer money from my XXXXXXXX XXXX account directly to my Citi bank account. 
According to the scammer claiming to be calling from XXXX XXXX, XXXX had received a compliant that I was impersonating a delivery driver or someone was using my account, and was also flagged for delivering food without wearing a face mask. The scammers were able convince me give them enough information through the use of text messages they generated to log into my XXXX account to extract the complete balance at the time of {$330.00} ( for which XXXX has reinstated the complete amount ) to a debit card of their own. However, they claimed that the only way to allow me to continue working for XXXXXXXX XXXX was to verify my identity through a minor money transfer using XXXX through my Citi Bank mobile app. 
They initial transactions were made to the aforementioned number, which the scammers claimed was an XXXX account which withheld no funds, and as soon as they could verify the transfer amounts they requested on their end, the funds would be immediately reversed to my Citi Bank account. 
The requested money was fraudulently transferred in five transactions in the following amounts : Transfer 1 : {$9.00} Transfer 2 : {$950.00} Transfer 3 : {$940.00} Transfer 4 : {$480.00} Transfer 5 : {$100.00} The fraudsters even asked to confirm the amount left in the account at the time in an attempt to wipe the account clean. After enough suspicion and the realization the funds were not being returned, I hung up and called both XXXX and Citi Bank to report the incident.
Consumer complaint received 2022-08-02
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. (MD)

The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate?

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There are ( 9 ) inaccuracies and violations
Consumer complaint received 2022-08-02
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. (CA)

My Experian disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. Experian required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents.

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Experian cant just verify my accounts by telling me they are verified. Nor can Experian verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Experian cant send me proof of these accounts from THEIR COMPANY, it must come off. 
All in all, Experian has ignored my request to provided me with the documents that it has in their files that Experian used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to ... promptly delete all information which can not be verified. 

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 

XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. 


Experian fails to comply with federal regulations by credit reporting agencies. Experian is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Consumer complaint received 2022-08-02
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. (MD)

The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate? 

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There are ( 9 ) inaccuracies and violations
Consumer complaint received 2022-08-02
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. (OH)

Several accounts showing on credit file Have been disputed with equifax but yet not removed. Equifax and creditors have failed to be able to prove proof of ownership of list of creditors. None of the on file information matches my information but yet fail to be removed. The following accounts need to be removed from file XXXX XXXX acct # XXXX XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXXXXXX bank act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX  act # XXXX All of above accounts are not mine. These accounts have failed to provide proof of ownership. These must be removed from my file
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-08-03
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. (CO)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MA)

In XX/XX/XXXX I noticed an {$16.00} XXXX transaction on my Wells Fargo account that I realized was recurring monthly since XXXX. I had previously assumed that these transactions started after my student account expired, but after some research I realized that these transactions were fraudulent and totaled over {$700.00} over 4+ years. 

After doing some research I learned that in XXXX, many Wells Fargo Accounts in the XXXX, Virginia area were hacked and charged with fake XXXX transactions. XXXX XXXX XXXX ' Two points to make before getting to my actual complaint is that 1 ) the fake XXXX charges XXXX my account are written differently than real XXXX charges ( I've since discovered ), and 2 ) at the time Wells Fargo said that this was not a data breach and that " we are working directly with any Wells Fargo customers who were impacted. '' My complaint is that Wells Fargo was aware that there was a subset of its accounts that were impacted by a specific kind of fraud ( ongoing fake XXXX charges ) in XXXX and did not 1 ) inform the relevant consumer base to be on the lookout for this kind of transaction which could easily be mistaken for recurring XXXX charges, or 2 ) do anything to prevent these fraudulent charges once it had been made aware that this was a systematic issue facing many customers. Since the fake XXXX charges are written differently than real transactions, they could have easily stopped any future fraud by filtering out these fake charges. 

In addition, I noticed the fake transactions on my account because they were using a card that I had not activated yet. So I suspect this was in fact a data breach despite what the spokesperson has said. 

Wells Fargo has denied my claim for reimbursement.
Consumer complaint received 2022-08-03
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: WELLS FARGO & COMPANY (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : WELLS FARGO DEALER SVC XXXX
Consumer complaint received 2022-08-03
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. (CO)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-08-03
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: WELLS FARGO & COMPANY (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : WELLS FARGO HM MORGAGE XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, 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. (CA)

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not apple for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX