davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Dear CFPB, I am following up on my initial complaint regarding Wells Fargo holding a check I deposited from XXXX XXXX XXXX XXXX XXXX XXXX ). It has now been over XXXX days ( deposited XX/XX/XXXX ), and I still do not have access to my funds. This continued delay is unwarranted, given that the check has already cleared with the issuing institution, and it is causing me significant financial and emotional hardship. 

Wells Fargos decision to place and maintain this hold appears to be an unnecessary and irresponsible gamble with my money. The lack of resolution has put me further into debt, as I am unable to cover critical expenses during an already challenging period. My health is suffering from the stress caused by this situation, and I am deeply concerned about Wells Fargos disregard for their customers well-being. 

I have already reached out multiple times, spoken with several representatives, and escalated the issue repeatedly, yet no action has been taken. This lack of accountability and transparency is unacceptable.
Consumer complaint received 2024-10-09
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. (NJ)

I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX  XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) -In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act.

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-15
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. (NC)

I REQUESTED BACK ON SXXXX XXXX XXXX THAT I WANTED TO OPT- OUT OF THE ACCOUNTS LISTED BELOW ACCORDING per 15 USC  6802b, 16 CFR  313.7a, 12 CFR  1016.7a(1)(2). TRANS UNION, XXXX XXXX XXXX RESPONDED TO ME AT ALL. I REQUESTED TO OPT-OUT OF THE ACCOUNTS BELOW;

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately. 

. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a phone carrier opened at XXXX XXXX now in the hands of XXXX. XXXX  under the account number XXXX Credit account opened at Transform credit under the account number XXXX These accounts has resulted in several fraudulent credit accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items.I do not recognize the aforementioned collection account reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection and credit account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US federal Trade Commission that the aforementioned consumer credit collection are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (GA)

I was contacted multiple times i let them know this was not my account. this is a fraudulent account. I have filed an XXXX. I asked for information on the debtor full name XXXX last XXXX of social they wouldnt give it to me
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc. (FL)

Kickoff Account XXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AVANTE (MD)

Agent of Avante USA came to my home stating he was there to repossess a lawn tractor. The agent was hired by an agency named Avante. I contacted XXXX XXXX to get an explanation of why the subject was at my residence. I was advised that my account had been forwarded to collections for missed payments and I would have to speak with Avante. I contacted Avante to inquire about the amount owed. Avante refused to provide the amount of the alleged debt, would not advise how or where four payments had been applied. Avante stated that they would have to repossess the equipment prior to providing any proof of the debt or accepting any payment. They stated that they would have to take the equipment, assess the value prior to providing me with any information of the alleged debt. Additionally, Avante could not provide any proof of prior attempts to contact me.
Consumer complaint received 2022-10-28
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. (MS)

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. 
XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2024-09-25
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. (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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under FCRA Dear Equifax, I am writing to formally dispute several entries on my credit report that I believe to be the result of unauthorized activity linked to the widely publicized XXXX XXXX XXXX and a subsequent XXXX XXXX These breaches have compromised my personal information, leading to inaccuracies and fraudulent entries in my credit report. 

The specific items in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information on my credit report that I believe is inaccurate or the result of identity theft. Additionally, under Section 605B of the FCRA, if an identity theft report is provided, consumer reporting agencies are required to block the fraudulent information from the credit report within four business days of receiving the request. 

Enclosed with this letter, I have included the following documents to support my dispute : A copy of my government-issued identification. 
An Identity Theft Report, including a Federal Trade Commission ( FTC ) affidavit and a police report documenting the breaches and the identity theft. 
Evidence of the XXXXXXXX XXXX XXXX and the XXXX XXXX which compromised my personal information. 

I hereby request that you : Investigate the disputed entries on my credit report. 
Remove or correct any inaccurate information resulting from the identity theft associated with the XXXXXXXX XXXX and the XXXX XXXX 
Provide me with a copy of my updated credit report once the investigation is complete. 
Block any fraudulent information from reappearing on my credit report as mandated by the FCRA. 

Please confirm in writing that you have received this dispute and provide a timeline for the completion of your investigation. If these items are not removed, I may consider pursuing further legal action to protect my rights under federal law. 
I expect your prompt attention to this serious matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was shocked to discover inaccurate accounts on my credit report this morning and have no idea how they got there. I always check my report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts remained. This has left me deeply concerned, and Im requesting that the documents I've provided be carefully reviewed so I can put this issue behind me for good.
Consumer complaint received 2024-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC (FL)

What Happened : On XX/XX/year>, I discovered that Pay Tomorrow Finance is reporting a late payment for the month of XX/XX/year> across all three major credit bureaus ( XXXX, XXXX, and XXXX ). This is despite my account with Pay Tomorrow Finance being fully paid off since XX/XX/year>. 

I contacted Pay Tomorrow Finance on XX/XX/year>, and spoke with an agent named XXXX at XXXXXXXX XXXX XXXX  During this call, XXXX confirmed that my account has a zero balance and expressed uncertainty about why the company is reporting my account as delinquent. She also stated she would send me an email regarding the issue. While I received her email, it lacked a reference number and did not address the erroneous reporting. 

This false information has caused significant harm to my credit score, which has dropped substantially due to XXXX XXXX Finances inaccurate reporting. Despite having no outstanding balance, the company continues to report a late payment, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). 

Amounts Involved : My account balance was {$0.00} as of XX/XX/year>. 
The reported late payment for XX/XX/year> is inaccurate and unjustified. 
My credit score has dropped by [ state approximate number of points, if known ] as a result of this false reporting. 

Actions Taken : XXXX. I called XXXX XXXX XXXX on XX/XX/year>, to dispute the inaccurate reporting. 
XXXX. I requested immediate correction of the error, but no corrective action has been taken so far. 
XXXX. I have also sent a formal demand letter to Pay Tomorrow Finance requesting correction and compensation for damages caused by their actions.
Consumer complaint received 2024-10-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: West Law Group, PLLC (TX)

My name is XXXX XXXX and I am having a problem with a debt collector for XXXX XXXX, XXXX, a payday loan company. I negotiated a settlement with them after I was sued in a Texas small claims court for failure to pay back the loan. 

I agreed in writing to pay {$50.00} per month until the {$1200.00} debt was settled. The debt collector agreed in writing to release all its liens against my accounts, including my XXXX account and my XXXX XXXX account. I will attach a copy of the written agreement to this complaint. 

When I asked the debt collector about removal of the liens in an email, I received a reply ( " Whatever '' ) that dismissed my complaint.

While I may be able to sue them for breach of their agreement, I am requesting that your agency help to resolve this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Date : XX/XX/year> Bureau Information : - Bureau Name : Experian - Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (HI)

I did not authorize following inquiries showing on XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13
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. (PA)

n accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX - 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Upstart Holdings, Inc. (FL)

I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm. 

Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name. 

I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly. 

I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved. 

I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity. 

I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.