davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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)

This public record is still showing on my credit report after I have asked repeatedly for Transunion to investigate on their own that this is not supposed to be on my credit report. There is no evidence that this is my public record as I never filed for bankruptcy.
Consumer complaint received 2024-07-22
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. (TX)

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account # XXXXXXXX XXXX XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, Experian, XXXX credit bureaus. XXXX or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.
Consumer complaint received 2024-08-14
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. (NJ)

This letter is a request of the steps that your company took when investigating the XXXX items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX  I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A XXXX  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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-22
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. (DC)

In accordance with the Fair Credit Reporting Acts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this written request to have the following Inquiry Account ( XXXX ) Deleted from my private Consumer Report and File : * EXPERIAN BUSINESS CREDIT => XXXX XXXX XX/XX/year> XXXX Experian With regards to the Fair Credit Reporting Acts Laws and Policies - [ 604. 15 U.S. Code 1681b ( a ) ( 2 ) & 15 U.S. Code 1681b ( a ) ( 3 ) ] - that pertain to Permissible Purpose : - I did not give written instructions to any Person or Consumer Reporting Agency to report said inquiry account
Consumer complaint received 2024-11-05
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (ID)

Approximately 2 weeks ago I did notify FREEDOM MORTGAGE CORPORATION of my revocation of my XXXX to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation. I also notified FREEDOM MORTGAGE CORPORATION that, pursuant to 15 USC section 1666b, FREEDOM MORTGAGE CORPORATION may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose, and I demanded any and all late payment ( s ) reported by this creditor be immediately updated to a status of PAID/PAID AS AGREED/PAID ON-TIME according to these XXXX laws, however, they have not updated their reporting to any of the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX accordingly.
Consumer complaint received 2024-07-22
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (DE)

Over XXXX was taken from my account in XXXX  and Wells Fargo closed my account is disputed they said it was no error and these companys was overseas
Consumer complaint received 2024-07-22
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. (VA)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file. 


Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/year>, it says I made a purchase of {$120.00}, and it's marked under the education category. During those days, I was looking for courses to add some skills since I'm a XXXX. However, this website doesn't have the characteristics to help me add the skills I want. When calling Wells Fargo, I spoke with a girl who called me asking why my account was against ( calls are supposedly recorded ) ; she said it was very curious because what I was saying made sense. When communicating with another person on the phone, this person tells me that I used my digital card on the website. My question is : how is it possible that I used my digital card on a website that doesn't accept XXXX XXXX? It's very strange, and of course, after arguing ( it made no sense ), I requested a supervisor. He insists on the same thing and says that the bank already investigated. My big frustration is that I don't understand the type of investigation. They checked their systems that indicate I supposedly used my digital XXXX XXXX card, but the website doesn't accept these - no other response, no other apology. They insist that I used my XXXX XXXX or digital card ; for me, that's it, I don't know what other digital card they're referring to because they wouldn't even give me more details. They told me that's the resolution and nothing more. So I can say that Wells Fargo doesn't want to review this information more thoroughly, or perhaps the associated merchant and they have joint business dealings. I don't know what else to think.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Approximately XXXX ( XXXX ) weeks ago Recently I wrote about what the procedure was in the event that I wanted to discontinue my escrow account. 

Then, on XX/XX/year>, I received a letter from 5th 3rd bank indicating that, effective XX/XX/year>, my escrow account was closed and cancelled. 

I did not want it closed/cancelled, I was just asking for information. 

I want my escrow account to be reinstated. 

I spoke with someone on the phone and I was instructed to submit the request in writing. 

I submitted the request to XXXX, but all I receive is an auto reply that my escrow account is cancelled However, all I receive is a form letter indicating that my escrow account is cancelled Thank you.
Consumer complaint received 2024-07-22
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. (MA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Last month I did speak to an agent about inters charged to my account which was {$170.00}, only on interest. They tell me an answer that I considered good and assured me next month would be much less. I agreed hoping this month would come lower. Problem is this month the interest charge is {$160.00} and for me is outrageous high. Its ridiculous. I didnt call them this time because they always have an inconsistent response for customers.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received my XXXX XXXX which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any XXXX XXXX against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-22
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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. (AZ)

I have submitted numerous disputes to XXXX, Experian, and XXXX. They have refused to investigate and provide me results. I demand an investigation. This is a violation of my rights. Please see all of my dispute letters attached. They have 3 bureau tables showing all errors.
Consumer complaint received 2024-10-11
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. (PA)

This letter serves as my final demand for the immediate deletion of inaccurate and invalid negative items from my credit report. Despite previous disputes, these items remain inaccurately reported, causing significant harm to my credit profile. I insist that these items be corrected and removed immediately to prevent further damage.
Consumer complaint received 2024-07-22
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. (NY)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX Subject : XXXX  Request for Removal of Late Payment I am writing to you regarding my auto loan account number XXXX, I want to express my sincere gratitude for the services I have received from ALLY FINANCIAL and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

Trying to get a loan satisfaction letter for my XXXX. 

XX/XX/year> - I explained that I never received the document, said he would send. 
XX/XX/year> - Received document for a vehicle I dont own. 
XX/XX/year> - I explained they sent document for a vehicle I dont even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 

Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX 
The XXXX XXXX never received the fax. 
I called XXXX more times to resend fax. 
Never sent the fax. or the paper mail version.
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

i never received any notice that this debt could be disputed. under FDCPA XXXX. it is my position that i don't owe this debt nor do i have a contract with XXXX XXXX for them to even attempt to collect on the alleged debt
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

XXXX I deposited a check made payable to my mother that was signed over to me. The bank did not allow this and XXXX debited my account for the amount of the check. Also on XXXX the bank put a deposit hold on the check debiting my account for the amount of the check and that is still posted to my account. So they have debited twice for the same check. I contacted the bank XXXX to correct the error. I sent them a message through their app and called. It was corrected only to be reposted the same way the next day!!!! I contacted them again and they fixed it again then reposted it the same way debiting twice the next day. Today XXXX I sent several posts through the app with no response and also called. I was placed on hold for over one half hour then the line went dead. I called again and was again placed on hold. I sent another message through the app which has not been answered and my account not corrected. I called the corporate office and was put through to voicemail. My account is in the negative due to this erro and the bank is now charging me fees and returning items. I initially deposited {$2000.00} cash and that amount has not been used. I also have {$2000.00} in a savings account. I need help correcting the errors to my checking account with Bank of the West.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union requires hard copies of Drivers License and Social Security Card to be mailed to them. There is no guarantee of security on Personal Information when mailed.

Request that such information be facilitated to be uploaded securely on their website. Mailing such proofs has opportunities to be compromised. 

Urging CFPB in the interest of individuals to instruct Credit Bureaus to provide foolproof links to upload and not instruct to mail hard copies of such documents to be mailed to them. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-28
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. (MS)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.