davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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. (CT)

Second and Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/2023 Regrading your letter dated XX/XX/2023 15 U.S.C 1681 N section ( B ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by theconsumer reporting agency or {$1000.00}, whichever is greater. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information 15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy. 
4. 15 U.S.C 1692 C, Section C Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect XXXX, XXXX XXXX, Account incorrect XXXX XXXX I'm demanding that all inaccurate information be delete immediately I have attach my driver license that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate.

Your company has 30th days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages. 

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 30th days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.
Consumer complaint received 2024-10-27
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: Experian Information Solutions Inc. (MI)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-29
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. (NC)

Inquiries reporting fraudulently on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unverifiable )
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (PA)

2 years ago, I repaired the vent and central AC in my house. XXXX XXXX XXXX, XXXX, PA. 

I arranged auto pay of {$270.00} with this company ( Ally Lending ). So that I can pay off within 18months stipulated interest free. 

XX/XX/XXXX was the day the last auto pay was deducted from my account. Leaving {$35.00} I received a letter dating XX/XX/2023 that I have an outstanding payment of {$1400.00}, which I immediately called back to dispute. 

The representative told me on a recorded line, that since I called within the 7days of the notice, I am allowed to pay off the {$35.00}, and will no longer be liable to pay the {$1400.00} interest. Which I did that very night. 

I was given pay off confirmation Number : XXXX XXXX XXXX. 

But I have since, been harassed, with reminders, emails, and mails. 

I have disputed through emails, and phone calls to no avail.
Consumer complaint received 2024-10-27
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: Experian Information Solutions Inc. (CO)

there are multiple disputes in the credit report that are a result of idenity theft and not mine. however, the dispute for XXXX collections for XXXX is just outright wrong. i was protected by the violence against womens act and moved into a new apartment because of a court ordered restraining order : i sent all of those documents to XXXX XXXX, yet i got a response from them stating inaccurate information, that violated privacy laws. I believe this is all stemming from source of income discrimination and that this company has violated my rights under VAWA regulations. Experian is allowing this discrimination to continue like there eyes are closed to the reality of the situation because they did not investigate properly. Violating both colorado anti discrimination laws as well as the fair credit reporting act.
Consumer complaint received 2024-10-25
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-26
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. 

The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. 
One can call and change the application to principal only ( within 3 months of the transaction ). 

It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2024-09-29
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. (PA)

According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2024-09-29
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. (PA)

I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy XXXX years ago, and according to the proceedings, everything was supposed to be removed after the XXXXyear mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next XXXX weeks, I will be filing lawsuits against XXXX XXXX, Equifax, and the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Have contacted Marcus by Goldman Sachs multiple times using their information XXXX. 

Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed. 

Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making. 

Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file. 

Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account. 

Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account XXXX : XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

XXXX  dollars of  XXXX  dollar deposit held for 10 days. Account intentionally overdrafted on the bank 's processing day. I have not used my account since Friday and I wake up and I 'm overdrafted almost 100 dollars on Tuesday which is the day they do the processing. How can I be positive all weekend through Tuesday then suddenly I 'm overdrafted 80 something dollars and no use of my account. It 's impossible. They decided arbitrarily to hold 80 % of the deposit. The first agent lied to me and said the deposit was NSF and this was why they held the funds. I conference in my dad who made the   XXXX   dollar deposit from his account and then they denied that was what was said and the check was fine. The supervisor   XXXX   kept muting her phone and laughing. After she came on she denied the deposit was NSF. I have no idea which end is up or what 's going on. Is it NSF? Or they are holding   XXXX   dollars for 10 days because I 'm overdraft. I think they are taking advantage of the fact that I just filed for bankruptcy and they feel they can do whatever they want with my money because I have no options right now, and I 'm extremely poor as well so I ca n't protect myself. How can I live on less than 100 dollars for 10 days? Who could? Nobody. I do n't know what to do. Please help me! I 'm in a complete crisis and do n't know what to do. If I would have known this was going to happen I would have only deposited the exact correct amount and asked my dad for cash. This is wrong. I 've been completely scammed and tricked and taken advantage of. These crooks have stolen my money.
Consumer complaint received 2023-10-06
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. (CT)

Second and Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/2023 Regrading your letter dated XX/XX/2023 15 U.S.C 1681 N section ( B ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by theconsumer reporting agency or {$1000.00}, whichever is greater. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information 15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy. 
4. 15 U.S.C 1692 C, Section C Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect XXXX, XXXX XXXX, Account incorrect XXXX XXXX I'm demanding that all inaccurate information be delete immediately I have attach my driver license that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 30th days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages. 

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 30th days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Financial Credit, Inc (FL)

This company has been illegally and inaccurately reporting to the credit bureaus. This account was opened in 2011. The last payment was made in 2011, however this company has been reporting 1 month then for the next 5 months will report negative late payments and then again report payment made. I have not made payments to them since 2011. I address it with the credit bureaus they informed me this is illegal and to address it directly to the company as well. I contacted them regarding this and they stated they did n't know what I talking about and demanded payment. I sent them a copy of my credit report that showed exactly what I was talking about and then they said they did n't know how that happened, and demanded payment. I informed them that they were in violation of the Florida Statue of Limitations of Debt Act and Fair Credit Billing Act. The Manage got an attitude and laughed and demanded payment once again. They have been fraudulently reporting to keep the account open and it has destroyed my credit. Please see page 43 of my credit report.