davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX and list of Inquiries. 

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 of crimes which antedates the report by more than seven 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00}
Consumer complaint received 2024-07-24
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)

XXXX XXXX XXXX Reported : XXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MO)

We fell behind due to hour reduction at our jobs due to covid. I am the only one on the mortgage. My husband just contributes money to it. I got 3 payments behind, I contacted the company, they sent me a loan modification application. I filled it out including only my income and a small amount of what my husband actually contributes because I had gotten the loan on my income, so I wasn't adding much of his, even though I have more money of his at my access. They denied my modification, so I told them I actually had more income from my husband, who is not on the mortgage, and they wanted a paystub for him. He is a contracted worker, and gets paid per job. Why did they need his paystub? He is not on the loan. Then I got a call from an outside agency that said my house was in foreclosure, I said no, because I am filing an updated modification. So I called the mortgage company, they confirmed the foreclosure and said that they can foreclose even if modification is in process. I know this to be false. What can I do, and do quickly?
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

After reviewing my consumers report, I ran across some accounts that weren't belonging to me. I don't know how these companies got my information or even reporting on my report. These accounts do not belong to me whatsoever. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-27
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: EQUIFAX, INC. (WI)

Furniture store name XXXX XXXX XXXX XXXX XXXX XXXX l have made on time payments .used this company morer 10 years as. Report to credit bureau to Build my credit scores.. What has happened there inaccurately reporting records. Found on all 3. Credit bureau are. iNCORRECT. REPORTING All 3 Credit report agency credit r While making on time payments. .I have requested this company to fix this more 3x due to me now constantly bein. turn down. For lines. Credit.. This 2nd time l been denied for purchasing. New Home due to reporting. Delinquency.r .reporting scores While makein on time payments Never late.. Only time when there is something changes. when something been paid ooff or. New purchase some thing New just bein added.. I Noticed huge changes. My credit scores XXXX XXXXXXXX Were me my wife relocated Wisconsin rapids.. While makeun on time payments.. I have kept documents receipts attached to portal. Shown no late payments been made. All on time
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-07-30
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. (TX)

The account XXXX XXXX XXXXXXXX XXXX should not be reporting on my credit report. I reached out to the original creditor via XXXX and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a XXXX party collection agency whom I've never signed anything without validation from the original creditor? My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. The invoice is attached for your company 's violation, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. The original account was never verified ; and this account can not continue to report on my credit.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NJ)

My complaint is against Santander consumer for a auto loan on a car that was repossessed my information was entered into the class action lawsuit nj had against them i have not received any restitution or had this loan removed from my credit report
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX i XXXX XXXX a Wells Fargo XXXX account holder with Wells Fargo trusted FDCI institution I observed over several transactions that I myself XXXX XXXX XXXX didnt Authorize due to the unprofessional unethical conduct of investigation that was conducted who, whom, date and time account transactions were verified by whom investigated Consumers have 60 days from the time they receive their bill to dispute a charge with the card issuer or other lender. WELLS FARGO Account XXXX While the XXXX protects consumers from unfair billing practices, the Fair Credit Reporting Act ( FCRA ) addresses practices involving the use of a consumer 's personal information. 
customer reported that Wells Fargo had closed his account one that he was persuaded to open by a teller and never used after someone had fraudulently used the account. 
The customer said he only learned of the issue when he went to deposit a cash in the account. A assistant through the XXXX Wells Fargo said the account was closed because it had been overdrawn and that i would receive a letter I XXXX XXXX would like to keep my account in good relations I always had the balance of the account why pay a balance of something that was stolen from me I being robbed twice from the banking system and the scammer I would like to pay to keep my bank account
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
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. (ND)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (GA)

I had 11 months left to pay off on a 5 year loan with Wells Fargo for my XXXX XXXX. I spoke with a representative about a late payment which we came to an agreement for me to pay {$800.00} out of the {$1600.00} that was owed which I did. I was contacted my Wells Fargo at my job several times about my vehicle was scheduled for repossession. Even after I told them about the payment arrangement. One day they called my cellphone and stated that I lied about my place of employment because they went to repo the vehicle and couldnt locate it. I explained to the person on the phone that there are several courts in the county that I worked in but still didnt understand why my vehicle was being repossessed after paying what was agreed upon. The person continued to explain that they didnt want the money any longer and wanted the vehicle. They explained that they have refunded the {$800.00} I paid via a check in the mail and the vehicle WILL be repossessed and legal actions will be taken if I dont comply and return the vehicle. I was so confused and scared that I left the vehicle outside of the garage one night and sure enough the next morning it was gone and a week later a received a check for {$800.00}. Later they told me they sold the vehicle for {$9000.00} and that I need to pay for the difference. I didnt do it. Needless to say is I had less then a year to pay off the vehicle after paying for it for 4 years. This really devastated me. It was placed on my credit report as a repossession. It made it difficult for me to purchase another vehicle. Once I was able to obtain another vehicle I had to start all over again with a 5 year loan. I received an email some time ago about the lawsuit but never heard anything from anyone about the outcome. Please contact me either way.
Consumer complaint received 2024-07-28
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. (NY)

I recently reviewed my credit report and noticed an account was not reporting accurately. 
I have XXXX late payments on an account that was last paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments. 
I've attached a copy of my reports to the complaint on the following dates. 
( XX/XX/23 ), XX/XX/23 XXXX I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-30
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of crimes which antedates the report by more than seven 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 

XXXXXXXX XXXX XXXXXXXX XXXX Systems bal. {$7700.00} XXXX XXXX XXXX {$5800.00} Systems
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (GA)

Parking fees were added to the lease and the company did not validate the accuracy or if the penalty was legitimate. The vehicle incurred a fee for parking while using a valid pass to park in the facility. Chrysler Capital assumed the fee was legitimate and added the fees to my lease account. I paid the fees and filed a dispute which was denied but not explained by XXXX XXXX XXXX Chrysler has been sent proof and asked to remove the fees and they have not. XXXX has now been paid Twice and my account still shows the Fees. They are running a scam, by assuming fault even when provided proof. they ignore it {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX SELF-REPORTED ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENTS OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 instruction. 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 of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.