davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I am filing this complaint against Wells Fargo Bank regarding their unethical and deceptive overdraft practices, which have resulted in multiple unjust fees being taken from my account. I recently discovered that I was automatically enrolled in Wells Fargos " Overdraft Protection '' program without my explicit consent. This unauthorized enrollment has led to significant overdraft fees being deducted from my account, which I did not agree to or request.

When I contacted Wells Fargo for clarification, I was informed that I was enrolled in this " protection '' service, which is supposed to prevent overdrafts and associated fees. However, I was never notified of this automatic enrollment, nor did I ever give my consent to be included in this program. I believe that this practice is a deliberate tactic by Wells Fargo to siphon money from unsuspecting customers.

Wells Fargo has a documented history of unethical overdraft practices, including a recent {$3.00} XXXX settlement with the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year> over similar allegations of improper practices. This ongoing pattern raises serious concerns about their commitment to ethical banking and consumer protection.
Consumer complaint received 2024-10-28
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. (IL)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (CA)

XXXX of XXXX I XXXX XXXX bought a house with Wells Fargo. During the process i was gifted {$20000.00} for the down payment of the house from XXXX XXXX to XXXX XXXX, Well Fargo on XXXX XXXX XXXX. XXXX XXXX Ca and XXXX XXXXXXXX XXXX XXXX told us we needed the gift letter in order to qualify for the loan. So we did. The letter was written up by the XXXX XXXX they signed it, the letter was notarised at the bank. Moving forwards to XXXX. The bank lost my document. They cant find it in any of their files. Ive been searching for this document for the past year. Wells Fargo said they didnt have it they dont see it in her files. Ive mad multiple complaints and escalation calls to customer service and they said they cant find it .Ive requested this gift letter in writing and faxed it to Wells Fargo which they got that on file as well. We got a call XX/XX/XXXX that they found my document in the archives department but they cant give it to us. The girl i spoke to kept saying we found it, we have it But you cant have it she didnt explain a way to get it nothing. I dont understand why we cant have a copy of our gift letter. We had other gift letter sent to us that Wells Fargo found in my file during this search for our the {$20000.00}. So why cant we have the gift letter document. The girl was rude and mean and didnt understand the urgency about giving me our documents.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is not doing their job as a credit reporting agency according to the laws outlined in the XXXX. Ive sent several notices and Ive recently sent an XXXX  via certified mail giving notice of all the violations being made by TRANSUNION! They dont have permissible purpose to use any of my information and furthermore they are reporting inaccurately.
Consumer complaint received 2023-11-22
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00}.
Consumer complaint received 2024-10-25
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. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-28
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2024-10-28
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. (MD)

I would like to dispute these inaccurate accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-31
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: CITIBANK, N.A. (CA)

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

XXXX requests at different times. 

CITIBANK NA., BEST B CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  CITIBANK NA., BEST B CITI XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/year> XXXX
Consumer complaint received 2024-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I had an employee loan with BECU. I quit the position, got ill for several months an contacted them at different times. I had called to make payments. Regular agents can't take payments from me and they said they would have managers call me back which happened on occasion and irregular payments were made. There was twice I called - I don't have the dates- to make payments and the regular agents couldn't take it and referred to a manager who didn't call me back to take it. Now they have the account charged off. I accept responsibility for it being late and never asked for any fees to be removed.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

Amazon online purchasing continued to change my Chase Amazon Credit Card to be the sole point of purchase. I made a change to my account to use funds from my personal account, however, it continued to be reverted back to the Chase card. I knew my limit was maxed out so I ceased using the Chase CC for any type of purchase. Over a 3 month period, every purchase I made was billed to my Chase CC account. At the time, my card was maxed out, but Chase told me that because Amazon is a business partner, Chase was obligated to approve the transactions. These transactions should have be declined.
Consumer complaint received 2024-10-30
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/year> I purchased a car from XXXX XXXX. I authorized them to ran my credit report. XXXX was issued by Chase who again ran a XXXX credit check which I did not authorize nor was is it needed resulting on a XXXX hard inquiry lowering my XXXX XXXX. 

Please resolve this. I have spoken with XXXX to no avail. My XXXX XXXX is extremely important to me. I have never had a drop of over XXXX pts and now I'm XXXX pts below due to the double inquiry in addition to a fraudulent inquiry made wit XXXX XXXX. 
Thank you.
Consumer complaint received 2024-10-30
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: JPMORGAN CHASE & CO. (TX)

on XX/XX/year> someone hack XXXX account and change my address and apply credit card under my name through chase bank. when I noticed that I went to the bank and alert them and they cancelled the application and told me that they will informed XXXX but they did not
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: EQUIFAX, 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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

XXXX XXXX MY ACCOUNT NO IS XXXX CAPITAL ONE BANK. 

I am writing to formally express my frustration regarding the closure of my account and the subsequent delay in transferring my funds. As informed in the email I received from CAPITAL ONE team ( attached as a screenshot ), I was told that my funds would be transferred to my external account within three days of the account closure. However, it has now been almost a week, and I have yet to see the funds. I have reached out to your customer service several times, but unfortunately, I have not received any satisfactory answers or updates regarding the status of my funds. This lack of communication and resolution is causing me significant distress and inconvenience. I kindly request that you look into this matter urgently and provide me with an update on the status of my fund transfer. It is my hope that this issue can be resolved promptly so that I can avoid any further complications. Thank you for your attention to this matter. I look forward to your swift response. Sincerely.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I was sent an email from the fraud department at citi banking XX/XX/year> at XXXX that my card had been hacked. I have been trying to contact them about it but they tell me its under investigation. After repeated attempts to call and talked to the fraud department. I walk away with no response.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (FL)

I disputed this debt around XX/XX/year>. The creditor stated in the response on my debt that this item was removed. However XXXX is still reflecting it and when disputed through them the results came back accurate. So prince Parker did not remove this debt as stated and complaint has yet to be resolved.
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (FL)

Dear property receivables corp I am writing to formally dispute the debt referenced above, which appears on my credit report under your company 's name. I do not recognize this debt and have no knowledge of any contract or financial agreement that would result in this balance. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. I kindly request that you provide me with the following information to substantiate your claim : 1. Proof that I owe the debt, including any signed contracts or agreements.

2. A detailed account of how the balance was calculated, including any interest or fees applied.

3. Verification of your legal right to collect on this debt, including documentation that you have been authorized to collect on behalf of the original creditor.

If you can not provide the required documentation, I request that you cease any collection efforts and remove this item from my credit report. Please be advised that until proper validation is provided, I consider this debt to be in dispute.

I expect your response within the time frame required by law ( 30 days ), and I request that all further communication regarding this matter be in writing. 

Thank you for your attention to this request. I look forward to resolving this matter promptly. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Contemporary Information Corp. 
XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am challenging the validity of this alleged eviction you have listed on my consumer report. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with XXXX XXXX XXXX XXXX XXXX. 

To my knowledge your company has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me so with, please send me ANY supporting documents you have on file that you believe justify such defaming information. I am expecting a response from you within 30 days of this letter. If such documents can not be produced, please delete this eviction from my report immediately. 
Best Regards, XXXX XXXX UCC 3-305 The absence of verification from the landlord or property management company constitutes a valid defense against the alleged debt or eviction, as there is no authenticated evidence provided to substantiate the claim. UCC 3-501 My request for verification of this eviction record serves as a formal presentment. Given that no adequate response was provided, this failure indicates that the presentment is dishonored, rendering the eviction claim unenforceable. UCC 9-625 Although typically applied to secured transactions, this section underscores the rights of the party whose information is incorrectly reported or handled without proper validation, justifying the removal of unverifiable information.