davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (GA)

I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to XXXX did not respond. Allied Interstate responded as the image I will load titled Exhibit A, they claim they have contracted with XXXX to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file Exhibit A. No proof of claim was sent to me by XXXX instead they contracted/sold my personal information to Allied Interstate while they still report XXXX on my credit profile, at this point I feel deceived and mislead do I owe XXXX XXXXXXXX, XXXX, or Allied Interstate. Allied Interstate and XXXX have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.
Consumer complaint received 2023-11-13
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (PA)

In accordance with the fair credit reporting act, PNC BANK has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency cannont furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please remove this late payment dated XX/XX/year> and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the fair credit Reporting act capital one Account # XXXX, has violated my rights.illegally selling all of my information 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-11-13
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 XXXX unauthorized transactions were made from my Wells Fargo Checking Account using XXXX. The 7 transactions were sent to 5 different people, whom I do NOT know. I typically receive an alert from the bank when any XXXX transaction is made ( either to send or receive money ). I have proof of other similar email notifications, but for these particular 7 transactions I never received any notification. The only way I knew money was stolen from my account, was on Friday, XX/XX/XXXX I received a weekly email that I requested from Wells Fargo to make me aware of my ending balance. When I received my email that week, I noticed the balance was approximately short by {$5000.00}. I then logged onto my bank 's website and saw the 7 transactions to 5 people I do not know, totally {$4900.00}. I reported this to Wells Fargo 's Fraud Dept immediately on XX/XX/2023. They closed the account, set me up with a new one and told me they would investigate this theft. On XX/XX/XXXX I was notified that my case was closed and they are not refunding my money. I am awaiting documentation from the Fraud Dept as to what information they used to make this determination. In the interim, I have filed a report with my local police dept., the IC3 ( FBI Internet Crime Complaint Center ), and the FTC. After being a Premier Wells Fargo customer for almost 30 years it is extremely frustrating to be dismissed so quickly with no resolution. After doing some of my own research, I understand that XXXX fraud is exploding across the top 7 banks that own it ( Wells Fargo being one of those banks ), and they are not protecting their customers, they are not returning the customer 's money in most of the cases reported and they are dismissing most all of the cases with no satisfactory resolution for their customers. I am disgusted with their response and am looking for some assistance in correcting this situation and getting my {$4900.00}. returned to me.
Consumer complaint received 2023-11-13
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : it's also states a consumer reporting agency can not furnish an 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 containing any 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-10-21
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (MD)

I have a PNC checking account that I rarely use. On XX/XX/2023, I reported my PNC ATM card stolen to PNC over the phone. PNC 's representative asked me if I wanted a replacement card sent, and I said I did. PNC did not disclose on the call that it would debit my checking account {$7.00} for a " Card Replacement Fee. '' I discovered this today, when, by happenstance, I saw my checking account balance while looking for information about an unrelated loan I have with PNC. 

Had PNC disclosed this {$7.00} charge to me, I would not have agreed to receive a replacement card, as I rarely use my PNC checking account. 

Additionally, PNC 's unauthorized {$7.00} debit dropped my account balance from the required {$1000.00} minimum to {$990.00}, meaning PNC probably will charge me a fee for that, too. I transferred money into the account immediately to cover the shortage, but I shouldn't have to do that in this situation, and it may not arrive in time ( in my experience, PNC will usually find a way to assess any fee it can ).

I would like the CFPB to cause PNC to return the {$7.00} it improperly took from me, and not charge me any " insufficient balance '' or similar fee.

Thank you.
Consumer complaint received 2023-11-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

I have been dealing with XXXX over 20 years, and have a full trust. 
I do not use any other charge card other than XXXX XXXX ever since. 
XXXXXXXX XXXX, which I had never heard, deceptively mislead me as XXXX. 
I never signed any user agreements with the bank.The following letter was sent and following emails have been ignored while they keep sending bills ( now {$370.00} ) :
Consumer complaint received 2023-11-13
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. (MA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-17
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
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. (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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion and XXXX are incorrectly showing that I have a late payment for XXXX XXXX XXXX  Account # XXXXXXXX on XX/XX/. While XXXX is correctly showing that I have never had a late payment for the same account- XXXX XXXX XXXX  # XXXX. 
Secondly, Transunion and XXXX are reporting that I was 30 days late on this account on XX/XX/, this is an obvious error as my payment dates are due on the XXXX of every month, thus I could not be late prior to the due date. Notwithstanding, the second contention, my primary contention is that I can not be late and current for the same account on the same date. It is my contention that this inaccurate reporting between the credit reporting agencies violates the maximum accuracy reporting standard set forth in the Fair Credit Reporting Act. I have written several letters of dispute, and requesting verification on the disputed account, some letter written more than 45 days, ands of this day, I have received no response, or an update to my credit report that this account was even in dispute. It is my request that the XXXX XXXX XXXX  Account # XXXX  be updated to current status showing that this account was never late as is the case.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

When the COVID-19 Pandemic began, Credit Acceptance Corp notified me that all payments would be deferred until the pandemic ceased. During this period of 8 months, Credit Acceptance notified me that i could pay what I could afford and that it would go towards my principle. At the time I was a full-time driver for XXXX with a direct contact to my mother who was fighting XXXX XXXX at the time. Due to her underlying condition, I was forced to stop driving for the company. At the end of the 8 month period, Credit Acceptance Corp contacted me via text /email and notified me that I had to contact them immediately. When I spoke to them they notified me that I now had nearly {$4000.00} due in auto loan payments and late fees. They went against on what they ensured, which is that all payments were going to be deferred. They forced me to pay the balance due and since i was unable to pay it in one month they began placing late fees onto my balance. They also reported to the credit bureaus that I was 90 days or more late on my loan. And each month after they were reporting 90, then 120, then 150 ... and so on all because I didn't pay what was accruing over the 8 months in one months time. They have been reporting late payments every month up until this day and I was never able to get caught back up. My credit report currently shows over 30 late payment remarks from them which deeply affects my payment history which is a significant portion of my score. Also, with late payments came late fees with Credit Acceptance Corp that pushed me {$10.00} more a month in debt.