davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am submitting this formal dispute regarding charge-off accounts on my credit report, and I am demanding their immediate and permanent deletion. While these items may have been verified, I assert that they are inaccurate, incomplete, and were reported without proper permissible purpose. A correction of these items is insufficientthey must be deleted.

1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy As outlined under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information reported. The verification of these charge-offs is based on incomplete or inaccurate data, and I demand that these items be deleted immediately.

2. Violation of 15 U.S.C. 1681b Permissible Purpose for Accessing My Credit Report The creditor must prove that they had a permissible purpose under 15 U.S.C. 1681b to access and report these charge-offs on my credit report. If no such proof is provided, the reporting of these items is unlawful, and they must be deleted.

3. Violation of 15 U.S.C. 1681i ( a ) Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed information that can not be fully verified must be deleted. Despite the so-called verification from one CRA, sufficient documentation has not been provided to prove the accuracy and completeness of these charge-offs. As a result, these items must be removed from my report.

4. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance If these charge-offs are not deleted and you fail to act within the statutory period, I will pursue legal action under 15 U.S.C. 1681n for willful noncompliance. I will seek statutory damages, punitive damages, and attorneys fees for your failure to meet your legal obligations.

5. Violation of 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Even if the noncompliance is found to be negligent rather than willful, you can still be held liable for damages under 15 U.S.C. 1681o. Any failure to conduct a proper investigation or correct the inaccuracies constitutes negligence under the FCRA.

I am not requesting a mere correction ; I am demanding the immediate deletion of these charge-off entries from my credit report. Failure to comply within the statutory 30-day period, as required by 15 U.S.C. 1681i, will result in formal legal action under the FCRA. Please confirm the deletion. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo currently has many pending lawsuits because of shady banking businesses Well Fargo caused me severe harm in the past.. Wells Fargo previously failed to reimburse funds that were stolen out of my account.. Wells Fargo responded using its cover up tactics to avoid honest banking. I have been treated horribly and harasses by Wells Fargo employees.. I was contacted by a law firm asking me to testify in upcoming defendant Wells Fargo court hearing Today.. on XXXX XXXX. I realized that my phone auto pay went through shady Wells Fargo account.. On Thursday I received email notice that I have low funds giving me a grace period to make deposit.. My automobile has bad brakes, they are grinding. I have appointment to get my breaks fixed. On XX/XX/XXXX around XXXX I drove my car with bad breaks to the XXXX  XXXX branch to make a cash deposit using the ATM machine and the ATM machines were down.. On XX/XX/XXXX early in the morning I drove back down to the XXXX XXXX branch to make a cash deposit using the ATM machine and now the machines wouldnt except cash. I have made XXXX attempts to resolve over drawn balance. Wells Fargo is a XXXX  bank to have a relationship with. I called and spoke w/ a XXXX rude XXXX  representative who thinks his bottom dont smell.. I cant stand XXXX  Wells Fargo.. I hope suing the upcoming case I will be given the opportunity to legally and lawfully bring this XXXX  bank to justice.
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (IN)

I have been receiving calls from a company called XXXX XXXX XXXX XXXX requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the XXXX XXXX XXXX XXXX {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX- converted existing Capital One credit card ( limit {$8500.00} ) to a Capital One Venture Card. Converted because part of the offer listed in the bullet points in my online user portal was an offer of a XXXX mile bonus if I charged a least {$4000.00} within the first three months of having the card. 

XX/XX/XXXX - still had not received any further information or indication of the offer being " live. '' Called Capital One customer service. First person I spoke with said she couldn't find the offer, put me on hold, and hung up on me. Called again. Second person I spoke with put me on hold several times and finally told me that because I saw the offer in my online portal, they were going to honor it. He said he was transferring me to someone to be sure the offer was activated. The next person who came on the phone proceeded to tell me that they would not honor the offer. The call was RECORDED- please access the company 's recording to confirm that this is what he told me. Again, this call was recorded by Capital One. The call happened on XX/XX/XXXX beginning at XXXX XXXX  Central time and ending at approximately XXXX XXXX  Central Time. There is no refuting a recording. 

I would like to receive the offer that was given to me in order to entice me to convert to a Venture card. By converting to this card my annual fee was increased, but it was worth it due to the bonus offer. The company is trying to not honor the offer it gave to me online, and that it then promised to me on the phone in this phone call. This is deceptive as a business practice.
Consumer complaint received 2024-10-26
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear American XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally dispute certain inaccuracies and possible violations related to my account with XXXX XXXX XXXX XXXX. After reviewing my records and relevant laws, I believe that there have been breaches that require immediate attention. 

Firstly, I would like to address the potential inconsistencies related to my personal information, which may infringe upon my privacy rights as established by 15 U.S. Code 6801. This statute outlines the importance of protecting consumer information, requiring financial institutions to implement appropriate security measures. I have concerns that my data may not be adequately safeguarded.

In addition, I have noticed discrepancies in how my credit has been reported, which may violate 15 U.S. Code 1681 ( a ). This section mandates the obligation to report accurate information to consumer reporting agencies. Given the negative impact that inaccuracies can have on my financial standing, it is crucial that we address this matter promptly. 

Furthermore, I would like to highlight potential violations under 15 U.S. Code 1605 pertaining to the need for clear and transparent disclosure of terms. Upon reviewing my agreement, I find that certain fees and terms were not clearly communicated to me, which could be seen as non-compliance with this regulation. 15 U.S. Code 1635 also states that within 20 ( twenty ) days of receipt of a notice ( Rescission ). I am not liable for any finance charges or any security interest. By law, it becomes void and all money or property ( title ) is returned to the consumer.

Moreover, I am concerned about the practices surrounding my account that may not adhere to 15 U.S. Code 6802, which emphasizes consumer privacy rights and the need for customer consent prior to sharing sensitive information. It appears that I may not have been adequately informed about how my data could be used or shared.

Lastly, I would like to bring to your attention 18 U.S. Code 1028, which addresses identity theft and related fraud. It is paramount that the information associated with my account is accurately maintained to prevent any misuse that could arise from misinformation or lack of proper identity verification. 

Given these concerns, I am requesting a thorough review of my account and the associated practices of XXXX XXXX XXXX XXXX. I would appreciate your prompt response addressing these issues and outlining the corrective steps you plan to take. 

Thank you for your attention to this matter. I look forward to your timely response so we can resolve these discrepancies efficiently. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (AZ)

XXXX, XXXX and Experian has received my 30 day to comply and still has not given me the results of the investigation which is against the law. Multiple items have been verified by the companies that I do not have an account with them.
Consumer complaint received 2022-08-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting several written pleas to XXXX regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with whole attachments of my personal information. This complaint is being submitted over the CFPB to notify the Credit Bureaus that I am a prey of identity theft and the accounts I am disputing do not relate to any business that I have made or approved neither did I established any profits as an outcome of the theft of my Individuality. This Complaint is to follow up my XXXX Complaints last XX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are demanded to eradicate any account and information which were unlocked without my familiarity, approval or right within 4 business days with ( 1 ) suitable proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have once again attached my FTC report which I filed on their website and Police Report that I have filed on my local Police Department. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2022-08-26
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-26
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. (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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$81.00}
Consumer complaint received 2024-10-31
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. (DC)

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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : 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 2024-10-31
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 Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (LA)

XXXX XXXX XXXX XXXX XXXX XXXX  Consultant XXXX ID XXXX and Underwriter XXXX notified former creditors when they noticed on my background check that I lived in a large apartment complex for a short period of time. They knew that I likely broke the lease because of noise complaints I made to the apartment management team that went unresolved, so I legally broke the lease. Wells Fargo without my consent notified the large management company : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collected Appraisal Fee up-front before I was approved and before Loan Estimate. XXXX also made mathematical errors that cause the Cost to Close increase by {$2600.00} the day before closing, causing the loan to be canceled at last second, sellers had already moved out, want to file lawsuits because of XXXXXXXX XXXX  gross negligence.
Consumer complaint received 2022-08-26
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. (MO)

I called the Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has charged me {$88.00} for " INTEREST CHARGE ON PURCHASES '' on my credit card balance that has a promotional balance transfer APR of 0 % until XX/XX/2023. However, I never made any purchases with this credit card. So why is Wells Fargo charging me purchase interest when I never made any purchases since the opening of this credit card? 

This is unnecessary fee interest and I was wrongly charged for it as I do have a promotional balance APR of 0 % until XX/XX/2023. 

The latest statement has been attached to this case for reference and evidence.