davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (TX)

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXXXXXX XXXX XXXXXXXX - XXXX-15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXXXXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (NV)

Name XXXX XXXX Date of birth XX/XX/scrub>XXXX  Social Security Number XXXX  This debt is not my debt to be owed. Never got a notice on this debt or an explanation. Im trying to avoid going to court. But if I have to I will most certainly open a court date against these false amount and false debt. I have good credit. I would go above and beyond to make sure this false debt collection is removed.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (UT)

I turn off my credit and debit cards as I was switching banks, already fed up with Wells Fargo and their aggressive tactics and fees. I don't have exacts dates as I don't have a way to view in the portal, but it was around XX/XX/2022 Start XX/XX/2022 I had a balance of XXXX and was in the process of closing out my Wells Fargo account. I turn off my cards so nothing would get charged. They allowed XXXX XXXX, XXXX to go through and apple to go through. The XXXX and XXXX I am fine covering which is about {$400.00} dollars and the gas bill I forgot to change over. The fees and interest account for the other {$1500.00} they say I owe. I have already paid {$200.00} in XXXX. 

In XXXX of 2022 I put in a dispute on the XXXX charge because I had no way of cancelling that account. Again, I turned off the card and told them I dispute the charges and they still allowed them to go through all the way up until XX/XX/XXXX when I went in the branch. XXXX could not find me in their system and it's another story that isn't necessary Wells Fargo 's fault other than the fact they kept charging me when my card was supposed to be turned off and not allow purchases. 

Because the XXXX charges were through my debit card each one accounted for and overdraft and cash advance fee as well as the monthly late fee because I am refusing to pay fees that are not fair.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XXXXXXXX XXXX XXXX until XXXX of XXXX someone stole my identity and then they had bank cards from bank of america sent out and stole money from my account XXXX of the claims was {$2900.00}, and the other claim was for {$2800.00}, and these XXXX cards were sent to my home address where they stole from my mailbox, the third claim they had my address changed to a different city to a XXXX XXXX and ordered XXXX or XXXX different cards at different times and spent {$6700.00}. I sent to them a supporting document a typed letter from a sworn state XXXX with the state of XXXX XXXX XXXX logo showing dates that I was not able to authorize or even use my card during the dates that all this happened. On the letter even had contact information if they needed to contact the state agent but when I spoke with the supervisor she told me that all these claims show proof of fraud and she doesn't even see where they even see where they took your letter in consideration. I asked her what should I do next and she said that I had already exhausted my reconsideration and there was nothing she could do but that other people contact other agencies to get their issues resolved but being that she is a employee of bank of america she can't tell me what to do exactly. She also stated that she didn't understand why thay approved the one and not the other because it seems to her that all of this shows the same time frame and fraud by most likely the same individual, and XXXX XXXX she said, it shows in your letter that it was impossible for you to authorize any of this because your hands were tied during those dates. If I were you Sir, she said, I would check out other agencies to help you get this resolved, and I said, we are on a recorded line and she said that is correct, and I said thank you and contacted a lawyer who directed me to contact you all.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

The bank I use is Chase, I had deposited some money into the account not long before this happen. I had several online purchase done by a person spending money in New York. XXXX individual purchases, close to a {$1000.00}. dollars. I will look for the dates on these. but in XXXX. Then another transaction accured at the same bank branch I usually go to and withdrew {$2500.00} cash. XX/XX/2023 Using my name and pin on a debit card and a license that he created with my name on it.
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
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. (FL)

My consumer report shows accounts tied to identity theft that I never approved in writing or with a wet signature. I recently contacted you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries have caused me serious distress and misrepresent my credit history. If not fixed promptly, I'll take legal action to protect my rights. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-10-10
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)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I used my TJ Maxx store card once in XX/XX/year>. The charge was {$190.00}. 
I closed my account but forgot to pay the balance, which is now {$460.00} - {$260.00} more than my initial charge in XXXX, just 6 months ago. 
Synchrony Bank, the lender, has charged me interest plus an extra {$210.00} in late fees in 6 months - more than my initial {$190.00} charge. 
I would like to pay the charges with interest but not the late fees. The lender has badly hurt my credit score and will not reconsider the late fees. 
How should I proceed?
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
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. (TN)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-10-10
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. (TX)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-07-26
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 (FL)

On XXXX, XXXX XXXX I paid {$8900.00} from my Wells Fargo checking acc for a mentoring to be a real state inversionist, name XXXX XXXX XXXX XXXX. Another {$390.00} for the first seminar on XX/XX/XXXX. And also XXXX for the XXXX on XX/XX/XXXX. The organization offered things that never did. I submitted a complaint to the Federal Trade Commission with other people and they found that this Organization is a froud. I ask the WF Bank claim an they said that they do not going to return the money because there was a year. But until this time XXXX, XXXX I didn't know that it was a fraud Organization. I have all the documentation including the FTC resolution and my effort to contact them to receive my refund since last year.
Consumer complaint received 2024-10-10
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. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/24, my XXXX credit report dropped XXXX points ( XXXX ). Upon investigation, Mohela, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.
Consumer complaint received 2024-09-18
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

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 purpose. 

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