davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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/year> These inquiries are not accurate and are not legal. I have not authorized these inquiries, I am not currently looking for credit. Remove these inquiries because the creditors I called did not assist me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I pulled my consumer report on XX/XX/year> and I realized that the charged off account with XXXX XXXX XXXX XXXX should be deleted because of a time- barred statute of limitations. The last payment that was made on this account was XXXX XXXX. It is XXXX XXXX and this negative account is still reporting on my consumer report. This is a violation of my consumer rights. The amount is {$1300.00}.
Consumer complaint received 2024-09-24
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. (MI)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I purchased a car on XX/XX/XXXX for my daughter from XXXX in AZ. A {$4000.00} down payment was made and a loan was taken out for approx. $ XXXX $ XXXX. I was told my first payment would be due on XX/XX/XXXX. Since XXXX, I have received XXXX postcard to create an online account. That was done then a few days later it seems my account was removed and I can't access it. 
On XX/XX/XXXX I called and was told that my account was " pending paid in full ''. I was told I would get a call back when it was researched. No call back was made to me. 
On XX/XX/XXXX I called again. The automated system said there was no record of me. I spoke to someone who said there are notes on my account and there are " definitely errors ''. They said they were escalating to a supervisor to fix it and I'd get a call back. No call back was made. 
On XX/XX/XXXX I messaged the bank on XXXX after I saw LOTS of complaints. They replied on XX/XX/XXXX that someone would call me. No one did. 
On XX/XX/XXXX I called and was told my account appears as a {$0.00} balance and the car dealership made a {$4000.00} payment to my account ( probably my down payment? ). Told I would get a call back. No call was received. 
On XX/XX/XXXX I messaged again on XXXX telling them no one has contacted me. No response. 
On XX/XX/XXXX I received a call from the XXXX XXXX XXXX XXXX. She gave me the name of the person that is working on my account and said they will call me. XXXX XXXX, option XXXX, option XXXX, ext. XXXX and he works XXXX eastern. I have not talked to XXXX or received a call from them. 
On XX/XX/XXXX - I used their automated system to make a payment of {$600.00} confirmation # XXXX to make sure I don't have a late payment. 
On XX/XX/XXXX I called and left a voicemail to call me back. No one has called me. 
On XX/XX/XXXX I called and got XXXX. She told me that she does see XXXX is supposed to work on my account. She would reach out to him to contact me and my account is still under review.
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-12-30
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. (FL)

I am asking you to immediately delete information off of my credit report that isnt mine. I believe that this account is not mine and that my identity may have been stolen. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature, If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo ( XXXX XXXX ) Acct. # XXXX On XX/XX/XXXX, I made a payment of {$300.00}, for the month of XXXX. Mid-month I received an email saying that on XX/XX/XXXX my payment was due. I immediately called Wells Fargo to ask why was I getting an email saying that a payment was due, when I had already paid XXXX 's payment ( See statement ). They said that when I paid the payment on XX/XX/XXXX, that was still during the XXXX statement period, therefore it was applied to XXXX 's payment, not XXXX. A total of {$560.00} for a minimum payment of {$250.00}. The Wells Fargo rep said that she, as a one time courtesy apply that payment to XXXX 's payment. I thought my trouble was fixed. 

According to the XXXX statement, ( See Statement ) no payment was made and there was now according to them a {$510.00} payment due ( that's 2 payments @ {$250.00} XXXX. So the promised, one time courtesy, was never honored. 

Then without my permission or knowledge {$510.00} was debited from my account, but returned, because there wasn't enough money to cover the unexpected, incorrect debit. My bank charged me {$34.00} NFS/return fee, and to add insult to injury, Wells Fargo charged me {$27.00} return fee. 

I called Wells Fargo on XX/XX/XXXX and they acknowledged their mistake and credited my account the {$27.00} return fee and they assured me that they would not re-debit my account for the {$510.00}. ( See pdf ) On XX/XX/XXXX they debited me again, and this time, the money to cover my monthly bills was in my account so the {$510.00} went through and posted to their account. I called XXXX, XX/XX/XXXX and today XX/XX/XXXX and feel that I am getting the run around. 

I am a retiree living on a fixed income. {$510.00} is a lot of money for me and I'm afraid my other bills will attempt to be paid and returned due to XXXX, because of their error and their inability to correct the problem in a timely manner. In addition, an automatic payment is due to come out of my account for the month of XXXX for the amount of {$300.00}. Making a the total for this month : {$810.00} for what should be only {$250.00}. 

I would like the {$510.00} returned to my account along with the {$34.00} NSF fee from my personal account. 

I was told this was escalated to an " Executive Case '' Case # XXXX and XXXX XXXX was assigned to the case. Phone number : XXXX ext. XXXX
Consumer complaint received 2024-10-11
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. (NC)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (GA)

I am urgently informing you that I am a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address and remove these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have filed an identity theft report with the Federal Trade Commission ( FTC ) and demand the prompt removal of these fraudulent entries to restore the accuracy of my credit report.
Consumer complaint received 2024-10-16
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I have spoken to XXXX employees XXXX and XXXX from equifax sent all my informations to put it up to date 7 times to be exact with the proper documents 3 times by mail 4 times be email and yet keep asking for the same information car I do not possess anymore since XXXX XXXX  dlinquant but havent had the car for 4 years
Consumer complaint received 2024-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I have been contacted by a company call TSI in reference to a XXXX XXXX charge that was falsely charged to an account that I no longer have with the company. My account with XXXX XXXX had been turned off for several months. With no consent or request on my part the service was restored under what appeared to me as a promotional run. Some time after XXXX XXXX debited my bank account for XXXX fully knowing that my debit card was authorized for a one time, ONE TIME, payment before the service was disconnected. Under no circumstance did I ask them to turn the service back on, nor did I authorize an auto debit from my account. This was a XXXX XXXX error not me as a customer who did not ask for my services to be restored. I immediately disputed the charge with my bank and my brother and I called XXXXXXXX XXXX to rectify the theft. After reviewing the account they saw the error on there part and a refund was credited to my mother 's bank account that was on file in XXXX of 2024. In XXXX, I received a letter from a collection company called TSI stating that they were managing the XXXX account with the remaining balance of XXXX the exact amount XXXX XXXX had taken from my mothers account in XXXX with no authorization. When I explained the situation to TSI letting them know that this was a false charge and that XXXX XXXX refunded this exact amount due to there error and the unauthorized charge they begin to state that the money was still owed and they would be pursueing me to collect on the debt. This is unfare and not integral. XXXX XXXX should have never sold this as a debt. They knew the error was on there part and they have sold to an aggresive creditor to try and further still money for an error that they made. My mother and I both are senior citizens and I understand that this is how creditors take advantage of people like us who are elderly. It is not fare and should be handled fairly. I am asking that this debt be resolved with XXXX removing the debt and TSI removing the debt due to XXXX XXXX owning the responsibility of the error they made instead of trying to pass it off to me as the customer. They are asking me to be accountable for a debt that I didn't authorize neither for the service or from them to steel from my account. They should be accountable for their actions and take ownership for what is right.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

Radius Global Solutions LLC ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Radius Global Solutions LLC ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC. (MA)

My line of credit is a variable rate is tied to the federal rate which dropped on XX/XX/XXXX. I called on I think XX/XX/XXXX and was told it may take up to 5 days. Checked again today and no change. I called XXXX, and after a long wait on the phone today ( XX/XX/XXXX ) I never got through to customer service. 

Santander checking Account XXXX ( this is what they ask for to verify ) Line of Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX CELL XXXX EMAIL : XXXX XXXX
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

Thought that I was purchasing a classic XXXX XXXX that was for sale on XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX South Dakota. A wire transfer was made in the amount of {$23000.00} ( with assistance of Wells Fargo XXXX, XXXX XXXX ) XXXX XXXX eased my tension of potential scam/fraud when she stated that the account the money was being transferred to was a Wells Fargo Customer , account # XXXX routing # XXXX The transaction was completed and no car was shipped and/or received. Local Police, XXXX XXXX SD XXXX XXXX XXXX, Iowa, South Dakota and Florida 's Attorney Generals have been notified. Claim has been filed with FBI, FTC as well as a Wire Recall ( funds not returned ) with Wells Fargo.

I h

ave exhausted all legal and financial resources in trying to get my money returned. I want to thank anyone on your team in adv
ance for their time and any assistance they can provide. 
Very Sincerely, XXXX XXXX aka XXXX XXXX ( XXXX ) XXXX XXXX Please note : These funds were from an VA XXXX XXXX XXXX  that had just been awarded. An injury in XXXX while XXXX XXXX XXXX XXXX XXXX