davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

My account at Wells Fargo had been hacked by the name of XXXX XXXX XXXX this has happened twice for a total of {$1000.00} using my account as a phone payment to XXXX XXXX 

I want this name published.
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

I am writing to formally dispute the debt referenced in your recent correspondence dated XX/XX/year>. The documentation provided does not validate the debt, and I have specific concerns regarding the validity of the account. 

No Signatures : The documents you provided lack my signature or any acknowledgment of this debt, which raises questions about its validity. 

Incorrect Credit Card Information : The credit card number associated with this account is not mine. 

Due to these issues, I request that you cease all collection activities until proper validation of the debt is provided, including : Proof that I owe this debt Documentation showing my signature or agreement to the charges Verification of the original creditor I expect a prompt response to this dispute and look forward to resolving this matter. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (CA)

I was a victim of identify theft. I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and it was during the time this card was opened and closed
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (CA)

XXXX my XXXX  children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my XXXX XXXX XXXX The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report No XXXX XXXX XXXX Sheriff 's Department Report No. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXXXXXX XXXX XXXX  Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

I made a purchase from an online vendor over XXXX for XXXX $ at XXXX of XX/XX/year>. This vendor turned out to be scammer and took my money and did not give me any products or services for the money given to them. I raised the concern to Wells Fargo to which I was told a case would be opened for fraud. Here I am one week later and they sent a letter saying my request was denied and that the case is closed as a whole now. I do not know this person and I did not receive any goods or services from the person I sent the money to on XXXX and I have not been able to obtain a refund since then. My bank refuses to tell me any reason why.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (IL)

On XX/XX/year> I made a purchase in the amount of {$330.00} with a merchant to repair my vehicle. On XXXX I discovered the repair was not made to my vehicle, however the merchant charged me.

I contacted CashApp to file a dispute after contacting the merchant for a refund, and CashApp denied my claim stating that merchant " fulfilled their obligation ''.

I've reached out to CashApp and they have ignored me and refuse to assist me in this matter.

I'm reaching out via CFPB for assistance before I contact an attorney and file a lawsuit on CashApp and the merchant.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  XXXX XXXX XX/XX/XXXX COLLECTION/CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
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 TransUnion 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.

TransUnion 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 2024-10-29
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: World Acceptance Corporation (GA)

XXXX as now entered the stage as cohorts with XXXX and XXXX, in the form of restricting my access to creating new disputes. WHICH IS NOT ONLY UNETHICAL BUT GOES AGAINST THE FCRA. As well as theyve been neglecting to clean up my report from the fraudulent errors theyve allowed to be on my report and have now been removed ; except for the highly fraudulent WORLD ACCEPTANCE/ WORLD FINANCE who has beeen infringing on my rights under the FCRA for the lender WORLD FINANCE and under the FDCPA for the parent company WORLD ACCEPTANCE, who lodge a fraudulent deferment code XXXX on alleged closed charge off XXXX account to over inflate the debt starting charge off at XXXX with a max cap of XXXX to be at a present balance of XXXX over XXXX months this has been allowed..
Consumer complaint received 2024-09-27
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)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-27
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. (TX)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank has racially profile me on XX/XX/year> I walked in a local branch asking can my XXXX check be deposit and could I open up a new account the account was open with no problem and my XXXX check was deposited that day the following day it was made available and I proceeded to try to withdraw funds they close my account and restricted it it is now going on 30 days and they are giving me a number to call to verify a XXXX check which they know and I know is valid and real my name address is on the check it was not a third party check so I don't understand the reason for the funds being held I have went to the branch several times and have been getting the runaround now I feel like I'm being racially profiled because I don't see anyone else having a problem with a government issue XXXX check why am I the one to have to verify a check after 30 days with you guys know is valid so basically XXXX has stole my money and holding on to my funds I have bills and rent. Due it has been well over 30 days which I know the check has came back verified by now so what is the problem racially profiled seems to be the problem here I have included a picture of the informal mail that it came to my mailbox 4 days after that I went to chase to open the account I have included a picture of my XXXX and my transcript which is showing the amount on the check my name on the check so I don't understand the problem the bank I'm have a problem with is located on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Chase bank the manager is the one who opened my account that's the crazy part I do not recommend this bank to anyone
Consumer complaint received 2024-07-25
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. (CA)

In accordance with the Fair Credit Reportingact. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U S C 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 or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the United States Bankruptcy Court and relevant consumer protection laws.

According to a letter I received from the United States Bankruptcy Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected. 
To assist you in your review, I have included a copy of the letter from the United States Bankruptcy Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX/year>. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with TransUnion 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.

TransUnion 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>