davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo purposely held onto my Purchases with my bank card.. Therefore when I would look at my account balance and buy something.. 3 days later they would charge my Account.. 
I checked before I made a purchase for almost 2 years.. 
This costed me Thousands of dollar in Overdraft fees that would not have been charged, If my online account was accurate.. 
Wells Fargo got caught and was supposed to pay me back, Plus {$100.00} for Damages.. 
I have not received a penny.. 
I would like all my money back.. 
Then we can move onto the denying of Legitimate Wrongful Charges claims. Which is about another XXXX 
As they claim papers lost, They didn't receive... This was after I went into the branch and had them send them... 
Then they deny my Dispute...
Consumer complaint received 2024-09-16
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (KY)

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last two years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/2024 To whom it may concern. I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report.

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, Experian has failed to remove the account from my credit report, continuing violate FCRA regulations.

Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to XXXX XXXX XXXX. In my credit report from XX/XX/2024, I still found the derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-15
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. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late year XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.
Consumer complaint received 2024-09-15
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late and charge off year XXXX
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late years XXXX
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I took put a XXXX  dollar loan and I have made 5 payments already at yet I still owe XXXX. Apparently they are charging me a XXXX dollar in stallment fee with each payment for example the XXXX XXXX payment of XXXX ... XXXX installment fee then the remaining XXXX get split up to include interest and principle. What kind of nonsense is that? I make these payments biweekly I'll be dead before the predatory loan is pain in full. I believe the max interest rate on a written loan in like XXXX percent there needs to be a serious investigation into this company asap
Consumer complaint received 2024-10-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX, my XXXX XXXX XXXX ( XXXX ) Truck was repossessed by Westlake Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ), the vehicle was dragged from my driveway by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX contracted XXXX to repo my vehicle. On XX/XX/XXXX at XXXX, I discovered my vehicle missing and I immediately contacted my creditor- Westlake . I spoke with a lady, she did not provide her name, she told me I would need to pay {$500.00} for the towing fee. I told her in the State of TX, that is an excessive amount because the normal charge and the " regulated fee '' is no more than {$270.00}. She replied, " We can charge whatever we want! '' She said that Westlake Financial would add this amount to the end of my current loan agreement. Now, when I look up my account online, I have discovered that they are demanding I pay the towing fee now. Also, when XXXX dragged my vehicle from my driveway, they damaged my vehicle. The transmission linkage is inoperable. They tow company also damaged my right passenger door, dented and scratched. Westlake Financial is assessing excessive tow fees and additional charges regarding the repossession.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (GA)

On checking my credit report, I have been working with XXXX XXXX XXXX XXXX XXXX XXXX-Acct XXXX ) on paying off the debt since XX/XX/XXXX. I enrolled a total of 13 accounts with ( XXXX ). Accounts enrolled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00}. I noticed that the same accounts in which the companies were notified ( LVNV Funding LLC ( x2 ) ( on XXXX ) , XXXX XXXX XXXX  XXXX ( on XXXX ), & XXXX XXXX XXXX XXXX ( on XXXX only ) that I turned into ( XXXX ) to be paid is still on all three of my reports as collections. I have alerted the different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I even gave the companies the phone number to call. I pay ( XXXX ) every two weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying ( XXXX ) and then paying the collections companies too and they clearly have all of these accounts. Another problem is when the accounts are paid off how they are listed as being paid off on the credit reports. If I have XXXX paying these accounts off, why are they not listed as Paid as Agreed with a XXXX balance? If the accounts were settled through a company that I am paying, and they are being paid on time and as agreed with XXXX balance then why does it not state that on my credit report?
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CT)

Dear CENTRAL PORTFOLIO CONTROL This is my response to your notice about a debt. You report in my credit report information about a debt amounting XXXX XXXX due on XX/XX/year> to the original creditor XXXX XXXX lam not responsible for the debt you're attempting to collect. If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including ( but not limited to ) : Proof you are licensed in Connecticut to collect on this debt. Final statement or bill showing the amount I owe. Contract that I signed proving this debt is mine. Details about the last action taken on this account + proof. Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt. This company snap keep selling this account with knowledge this account is not mine a present proof a dispute any ownership of this account
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I have mailed Experian a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Experian a letter stating pursuant to 15 USC 1681b that I have given no such consent for Experian to host the alleged debt on my Credit report.
Consumer complaint received 2024-10-03
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-15
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have 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 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 any other adverse items of information, other than records or 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 2024-09-15
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)

Subject : Noice of Dispute for late charge error - Violation of 15 U.S.C. 1666 ( b ) In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2024-09-15
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. (TN)

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.

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 XXXX 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.