davidheineman/consumer-finance-complaints-large huggingface dataset:
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: OneMain Finance Corporation (VA)

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.

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 2021-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TX)

The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband 's name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX  I received another phone call. I want these to stop but they wont stop calling me.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

I have a fully verified Wells Fargo checking account with a XXXX profile, but I have not been able to receive any payments after over 48 hours of attempts. This person is in my contact list and Im in theirs, and we both have legitimate checking accounts. Weve both called customer service several times to speak with supervisors, and theyve also gone into the branch to verify, but no one can give a clear answer as to whats going on or any possibility of a solution. I was able to send a XXXX to this person today, but they immediately attempted to send something back to me and were getting the same error message. It asks us to wait 4 hours for review, then after the 4 hours it fails every single time. 

This needs to be rectified by Wells Fargo/XXXX immediately . Theres no reason why my XXXX profile is just not functional with a fully verified account.
Consumer complaint received 2023-07-06
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. (NV)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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)

In accordance with the fair credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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  15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

Ive had a Wells Fargo account open for about two weeks and have experienced nothing but problems. They first emailed me out of nowhere that my account would be closing without giving me a chance to verify myself, and I ended up having to go into the branch to verify and have it reopened. After this, I was assured by the branch manager there would be no further issues with my account. Now, I am unable to send any XXXX from my account at all. Every time I attempt a transfer, I get an error message that the payment is under review for 4 hours. After the time frame passes, the payment continuously fails. This has been going on for several days. Ive called several phone supervisors and gone to the ATM to verify my contact info. The recipient has done the same actions with no results. No one at Wells Fargo has any understanding whats going on here or how to fix it. Wells FargoXXXX needs to solve this asap. 

Ive also been waiting for a written letter from XXXX, who responded to my previous XXXXCFPB reports, confirming nothing is wrong with my account. This was promised by end of day Friday XX/XX/.
Consumer complaint received 2023-07-06
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. (CA)

This is my 7th 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, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (KS)

2 months ago I wrote to XXXX XXXX XXXX, after it came to my attention theyve been furnishing data to you thats put on my credit reports, stating Im responsible for two collection accounts with them, which at that time, was the first I had heard of this company. I sent them certified mail ( see letters, receipts attached ), Directly Disputing these accounts, and furthermore requested they provide verification and validation proving I was legally responsible for these accounts theyre fraudulently reporting. They received my initial request and still to this day have not responded to that initial certified letter. After 30 Days I wrote them, giving them notice that by failing to respond, the law required they stop and remove credit reporting for those accounts. Their continued reporting of the two accounts is a violation of federal law, and as a natural person and consumer, everyday they continue credit reporting- they slander and defame my name and reputation, dragging it through the mud, and directly hurt my family and Is financial well being.

I am making you aware of their dishonorable actions and continued violation, so you can correct this issue. If the issue is not handled and the two accounts removed after seeing this formal complaint- you could be held liable for non compliance - by continuing to furnish credit reports with these accounts on them. Please and thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have a {$200.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.
Consumer complaint received 2023-07-06
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: EdFinancial Services (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EDFINANCIAL SERVICES L Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-06
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. (TX)

XXXX ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

I asked the bureaus to provide the following concerning an account they are reporting XXXX original contract XXXX disclosure XXXX rate disclosure XXXX history XXXX history XXXX insurance XXXX off date ACCOUNT I REQUESTED THIS FOR : XXXX XXXX. UNVERIFIED I requested these in XXXX of 2023. It is now XXXX. 
They have failed to follow the laws that govern reporting by refusing to delete the account due to the inaccuracy of the past due status and the last date of activity as well as failing to provide by law what I requested.
Consumer complaint received 2023-07-04
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. (NY)

the details are in the letter already please have time to review it cause i took time writing it as well. and i lost my SS card so i wasn't able to send you a copy of it but i ordered a new one as well it just may take time to arrived
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)

in accordance with the fair credit reporting act. The List of account below has violated my federally protected consumer rights to private and confidentiality under USC 1681. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-07-06
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. (GA)

The credit bureaus are not following the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission.

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 data is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This shouldn't be so difficult to make sure that they follow the rules. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

I leased a new XXXX XXXX XXXX at the end of XXXX. I have tried several times to contact Toyota about a particular issue I am having with the multimedia panel in the dashboard. It is very difficult as a paying customer to find contact information on the Toyota website, and their customer service people have not been helpful. This panel is tied to a a phone application that Toyota just about insists that customers download so that the panel, and other helpful maintenance information, can be accessed by connecting the app to it. However, the app is probably close to one of the lowest scored in the XXXX XXXX XXXX ( XXXX out of XXXX rating ) because of many issues customers are experiencing with it. Customers who have downloaded this app have filled the XXXX XXXX site with comments about how bad it is to use. I refuse to download such a poorly developed app on my phone because of these issues, and because of the probability of it being a security risk. 

Without the app, I can not create a " profile '' for myself in the car 's multimedia panel. It means that every single time I start the vehicle, there are FOUR screens I need to cancel out of before I can actually interact with it or turn it off completely. 

The panel also sits very high on the dashboard and is too bright to keep the display on, especially at night, so I need to punch through another three screens to turn the display off. I basically can not use a very important function of this car. The entire setup is distracting and awful. It is very difficult to contact Toyota and get any issues resolved.

I called the dealership to complain about this panel and was assured by a service person that I could create a profile that will bypass these four screens, without the app. Well, they were wrong also. THERE IS NO WAY to fully interact with this multimedia panel with the XXXX phone app Toyota wants me to download. I should not have to compromise the security of my phone in order to use this functionality within the vehicle. 

Toyota also pushes third party companies on customers to receive important information about the car they purchased. I am not going to subscribe to XXXX, or any other party or application to get important maintenance information about my car. 

I used to consider Toyota a top-notch company but this experience has made me regret the thousands of dollars in down payment, and the thousands more I will have to pay for the lease, and this is just four months after purchasing the car.
Consumer complaint received 2023-07-06
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. (NJ)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX & XXXX XXXX
Consumer complaint received 2023-07-06
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-19
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: JPMORGAN CHASE & CO. (PA)

JPMCB credit card ending in XXXX i had great credit-never late. I moved in XX/XX/year> and i contacted each credit card company. i received an email on XX/XX/year> from chase, no.reply.alerts.com saying i had a balance of {$180.00} which i had no idea of. i called then and they said i was XXXX days late, i said i moved and told you guys. 
They said we have no record of you moving but we do see on your account returned mail i paid the balance right there on the phone and filed a dispute on XXXX which was denied i cant be responsible if these idiots didnt take my information correctly and send mail or have it forwarded to my new address. Also no email till XXXX -i dont get it- therefore i request the negative info on my credit report be removed thank you XXXX XXXX XXXX