davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (IN)

I am writing to formally request the blocking and deletion of certain fraudulent accounts and credit inquiries from my credit report. I am a victim of identity theft, and these entries are not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c 2 ( a ), I request immediate removal of the following items : Fraudulent Accounts XXXX. XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$650.00} Fraudulent Inquiries XXXX XXXX XXXX  o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-09-29
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. (VA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

In XXXX I was contacted by Wells Fargo advisors who offered me Accidental disability protection. In XXXX I was called again to upgrade my existing policy which I did, adding on Accident protector bonus. Between XXXX I never received any documentation that these policies were no in effect. In XXXX my son XXXX XXXX in an auto accident, and I reached out to Wells Fargo to access the benefits under the Accident protector plan and was advised that I did not have such a coverage as Wells Fargo did not offer this type of insurance. I explained to the representative that I had purchased this years ago and it was a rider on my policy, they again advised that no such services were available. On XX/XX/XXXX, I received the attached letters from Wells Fargo. I called the customer service department and was advised that they did an audit and found that many customers were sold these policies, and they are no longer available. I am reporting them as I am exhausted with getting ripped off by them. They owe me more than a measly {$2000.00}. they owe me more like {$100000.00} for a payout from when my son passed on this policy, they do not have any information for the broker on these policies they only provided the name of XXXX XXXX XXXX and XXXX XXXX XXXX, Please assist.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX XXXX Equifax I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: U.S. BANCORP (LA)

It is imperative to note that in accordance with the laws of the State of Louisiana specifically UCC 9:9:3534.1, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate.

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies.

I expect a prompt response to this matter, and I thank you for your attention to this concern.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2020-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MA)

Complaint is against Wells Fargo regarding my private student loan # XXXX. MY complaint is that Wells Fargo purposely refuses and delays to provide loan payoff information in order to interfere in loan consolidations with other companies in order to influence a denial which would keep the loan with WF so they can continue to accrue double digit interest from a loan they lended to me during the last financial crisis. 

I logged onto their website today. Please be informed that multiple lenders including XXXX, XXXX, XXXX and more allow you to access a 10-30 day loan payoff statement right on their website. Wells Fargo does not, it instructs you to call. Well I called earlier today and I was told it takes up to 3 days to receive a loan payoff statement? It is a simple detail about my loan and this may have a negative consequence on a consolidation pre-approval that I have. 

Please be advised Wells Fargo has a bad reputation in regards to refinance and consolidation denials in order to keep struggling consumers in their current bad loan terms. The fact that they are telling me to wait three days for simple information on my loan is entirely unacceptable!
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I made several payments to my home depor credit card and they were not applied. Last week I was told to fax proof of payment to the company which I did and I have the fax confirmation and they are still hassling me. I went online and then saw severall payments that I made were not credited to my account and twice I was charged late fees when I had paid, I most recently made a payment for {$35.00} on XX/XX/XXXX and they are stating that they did not receive that payment and are emailing me every day despite the fact that I faxed them proof of payment. 

I also made a payment of XXXX on XX/XX/XXXX that was not applied to my account and on XX/XX/XXXX that was not applied to my account. 

Now I am being billed for disputed amounts via my email on a daily basis and I see that my letter to them -- my secure message is not sent. Please push them to investigate where they are putting my money and and drop the late fees. I pay my bills on time
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally notify you that I have been the victim of identity theft and data breach. 
As a result, there are fraudulent accounts and inquiries appearing on my credit report. I am requesting that all of the accounts and inquiries listed below be blocked and deleted from my credit file as provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life. 

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Consumer complaint received 2020-09-09
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 disputed erroneous and damaging information being reported on my Credit Report with the CRA 's and they did not legally and in its full entirety investigate my disputes. I am demanding that a complaint be filed against these companies for willfully not following the law according to the FCRA act.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (SD)

My wife 's wallet was stolen, so we had to close our old account through us bank. So we closed said account and opened a new one ( mind you this will be our second time dealing with this issue ). I recent refunded a game worth XXXX and it was refunded to my old account, due to them just sending it to a different account is not possible for obvious reasons. XXXX, the company who refunded our money sent the money, we have documents on our side and XXXX side saying they refunded the money to us bank. Now after speaking with us bank, they refuse to give us the money that was sent to our old account, that has my and my wifes name. They already did this with one of my paychecks.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX  - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00}
Consumer complaint received 2022-07-01
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  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 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 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (MI)

This is the THIRD complaint I am writing regarding this joke of a company. We applied for XXXX back in XXXX and in the beginning of XXXX they requested verification from this mortgage company. They have yet to receive verification and if it is not received soon we will be declined assistance BECAUSE OF THIS COMPANY.