davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

I setup auto-payment on my Wells Fargo auto loan on XXXX XXXXXX/XX/XXXX. I have an email confirmation that the setup was completed and the payment will be made soon. However on XX/XX/XXXX, I get a notification that my autopay is past due. First of all, autopay is a computer program that takes money out of my checking account and pays my auto loan. There should not be any need for human intervention. Second, after I setup autopay, the email headline says, " Autopay will kick in soon ''. Third of all, when I setup my autopay, the email confirmation said, " Autopay will start on my current statement due date ''.
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. " Determined that the above-referenced account is being reported accurately. '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

This account was just reported on my credit profile as a credit card belonging to me and caused my score to drop by XXXX points. I have NO knowledge of this account nor was I notified first of the debt before being place on credit profile. Please remove ASAP as is hurting my credit now. I have also reported this to the credit bureau, but haven't heard back. Please provide proof that this debt is owed by me and that you are the original creditor baring my signature. Thank you.
Consumer complaint received 2024-09-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). 
Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 
Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. 
I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Valon Technologies, Inc. (FL)

After reading their nonsense, they are not telling the truth. I have both returned receipts back and both signed on XX/XX/2024, and XX/XX/2024, by XXXX. Remember a bank can not lend money. Truth in Lending Act Section 102, 15 USC Section 1601. My signature created the money. If you feel that the above law is not correct, then send me full copy of the corporate records, full booking of account records, full financial records, a copy of the check or accurate bank transaction that showed XXXX XXXX XXXX paid for the vehicle, a full copy of the promissory note wet ink signature and a promise to pay letter. If you can not produce all of these records, then my cease and desist stands and close my account until you can provide me with all the documents and especially a copy of the check during the transaction that you purchased my vehicle. I am not making payments when I know it was bought and paid for by me. Common law is the law of the land. Not contract law, it is illegal. TITLE 15 USC SEC 1 states all contracts are illegal. I never received a loan for this vehicle because I never signed a check for that loan of the vehicle or never received any money deposited into my account to pay for that loan. I signed a promissory note. Code 9-102A65 states it has no recourse to pay back. The loan was already paid for by me. That promissory note was monetized. TITLE 12 USC 83A states the promissory note that I signed was cashed in to purchase this vehicle. Who created the promissory note? I did. Prove that you loaned me the money? I need the bank transaction and a copy of the check that you purchased this vehicle. Remember, banks can not lend money. If banks can not lend money, how did you pay for this vehicle? How? I created all the money that paid for this vehicle, that is why you can't present a copy of the check and bank transactions to show that you paid for this vehicle. Look up powers and duties of banks. It does not say lend money ; it says borrow money. Who did they use to borrow the money. They used my social security number and signature and borrowed the money from me and you're trying to get me to pay it back.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (NV)

Equifax consumer reporting agency This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to grant a third parties access to my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By letting a third party XXXX XXXXXXXX obtain my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> 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 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

On XX/XX/XXXX I errantly made a payment from my Checking Account to my wifes Bank of America Credit Card account instead of my XXXXXXXX XXXX XXXX. After discovering my error, I called on XX/XX/XXXX to get the error corrected and refunded. The agent assured me the process would take 10 days or possibly a few more. An adjustment was made to my wife 's crdit card on XX/XX/XXXX but the refund to my checking account was'nt initiated. We called back to check the status and a Supervisor named XXXX told us that it would take at least another 30 days to process the refund back to to my checking account. It isn't right in light of the fact that Bank of America has all the information needed to issue the refund now, since they have made the adjustment on my wife 's Credit Card on XX/XX/XXXX. Where is the money? It isn't credited to my wife 's Credit Card, It isn't in my checking acount, and apparently I won't see it until XX/XX/XXXX. As straigh forward as the error and corrective action is, Bank of America is holding my money for at least 30 days and possibly 60 days. This can't be right.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disputing the inaccurate personal information on my credit report from TransUnion. The address listed '' XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' is not associated with my residence. The inclusion of this incorrect address is negatively impacting my credit profile. I request that this inaccuracy be removed and that my report be updated with the correct information. Please investigate this issue and correct it in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prime Recovery LLC (FL)

On XX/XX/XXXX, my father notified me about a voicemail left by a representative named XXXX from Prime Recovery LLC on his phone. The message was intended for XXXX XXXX, mentioning paperwork for potential judgment and garnishment. Concerned, my wife called XXXX on XX/XX/XXXX, questioning how they obtained the number. XXXX replied that they conduct research. When asked about the matter, XXXX mentioned a collection from XXXX. My wife clarified that the debt had surpassed Florida 's statute of limitations and was not collectible. XXXX insisted on the debt 's validity, stating compliance with the FDCPA! 
Prime Recovery LLC has violated multiple laws when it comes to debt collection! XXXX violated my privacy, she is attempting to collect on a time barred account! The last payment was made was in XXXX! I live in the state of Florida, which is 5 years! My privacy has been violated! This debt is time barred! Refer to the voicemail that was left on my fathers phone!
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The Following inquiries on my credit report were not initiated by me. I've attempted to call them multiple times, and they won't delete them even though I have a fraud alert as well as an identity theft affidavit that was sent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas XXXX drained it. Her name is XXXX. XXXX XXXX drained XXXX accounts every month that fill up with money from XXXX XXXX these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my XXXX XXXX XXXX XXXX XXXX  i need some one to investagate these accounts and who drained them. thank you XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (ME)

I bought the car in XXXX. I had to get it because my car broke down the XXXX I was at the dealership. Santander consumer was the only place that would help me finance. I needed a car to leave so I had to. They also charged me XXXX $ a month which is extremely unreasonable for a single mother of XXXX XXXX I have tried to work with them on the issues im facing, and they just won't budge. I became homeless and lost my job in XXXX. I live in my car. If they finalize repossession and take my car I will have nothing for me and my kids. I know they do a loan forgiveness program, but they just won't budge. This had made me XXXX XXXX and aXXXX. I live daily knowing they could take my car. And I just feel like I'm not worth it as a person. I see how Santander consumer helps the community and offers a loan forgiveness program. But they just don't want to help me and my kids and I desperately need the help. I live in maine and the state just isn't helping me either. I am homeless and XXXX, and I'm a XXXX XXXX XXXX XXXX XXXX. I honestly feel like I deserve at least one break in my life. Especially from a company that doesn't want to work with me on my loan knowing I lost my job due to my XXXX and i dont work at all so no income coming in.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.