davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, King of XXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX  ( XXXX XXXX Works ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : 517805, In accordance with 15 USC 1692g, I, Shuron Davis, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

DISPUTE OF INACCURATE INFORMATION UNDER USC 1681B AND REQUEST FOR BLOCKING UNDER 15 USC 1681C-2 I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION CONTAINED IN MY CREDIT REPORT, AS PERMITTED BY FAIR CREDIT REPORTING ACT ( FCRA ), SPECIFICALLY UNDER BOTH 15 USC 1681B AND 15 USC 1681C-2 . UNDER 15 USC 1681B, CONSUMER REPORTING AGENCIES MUST ENSURE THAT THE INFORMATION THEY REPORT IS USED FOR PERMISSIBLE PURPOSES ONLY. I AM DISPUTING THE ACCURACY OF THIS INFORMATION, AS IT HAS A SIGNIFICANT IMPACT ON MY CREDITWORTHINESS. I REQUEST A THOROUGH INVESTIGATION INTO THE ACCURACY OF THIS INFORMATION AS REQUIRED AS REQUIRED BY 15 USC 1681B. ADDITIONALLY, I SUSPECT THAT THIS INACCURATE INFORMATION MAY BE A RESULT OF IDENTITY THEFT WHICH FALLS UNDER THE PROVISION OF 15 USC 1681C-2. TO ADDRESS THIS CONCERN, I KINDLY REQUEST THAT YOU INVESTIGATE THE POSSIBILITY OF IDENTITY THEFT AND BLOCK THE REPORTING OF THIS INFORMATION IF IT'S FOUND TO BE THE RESULT OF SUCH UNAUTHORIZED ACTIVITY
Consumer complaint received 2023-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I called Wells Fargo and requested a loan modification. I was told I wasn't eligible. I was told Wells Fargo would Foreclosure on my house by representative. I had no where to go and was terrified everyday that the sheriff would be servicing me papers. After no help. I pack all my clothes and moved to XXXX, TN. It has messed my credit up due to the foreclosure. I have been able to buy a house since the foreclosure. 

After I left town I found out about the lawsuit against Wells Fargo. I would like to check to see if I am including in this settlement
Consumer complaint received 2024-02-01
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

As of right now the following the companies are reporting income to the three top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, Resurgent Capital Services XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Lending Club Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has illegally placed an account on my credit profile that has been disputed and removed from a different collection agency. This alledged debt has been bought and resold numerous times. I have no contract with the original creditor nor the collection agency. Per FCRA I am requesting removal of this account that was placed on my credit profile without my permission. This is fraud. I will seek monetary damages for this companys actions of not removed immediately
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I filed a claim for {$240.00} because I was searching for a health insurance through Obamacare And the website that I completed that purchase for said they worked with Obamacare because it was on the website. The website is obamacareplans.com I got in touch with claims assistance because I got a note saying I needed to provide more information. I provided everything I knew. I was misled and pressured by these people and I did not, in fact, authorize this. I failed to get the services I wanted and was misled. I explained this to Wells Fargo claims assistance. I made this phone call on XX/XX/XXXX of 2023, after I got my second note saying I needed to provide more information before the resolution and I did. I got a note on XX/XX/2023, stating that I did not to provide information that they requested from me when I in fact did and I have proof. I want them to go back on their call logs and review the recorded conversation I had with the claims assistance center.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On or about XX/XX/2023 I opened two new checking accounts with Capital One. On Saturday, XX/XX/2023 I authorized Capital One to take {$4100.00} out of our checking account from another bank to put into one of our new checking accounts with them. On XX/XX/2023, four business days later, they took the money out of our prior account and only deposited {$2500.00} into our new checking account. My other account has a XXXX balance and there remains {$1600.00} which I do not have access to. They have it but will not put it into my account for me to access. We have worked hard for this money and it is ours and it is needed to pay bills. That is, after all, the purpose of a checking account, to pay bills. 

Additionally, on XX/XX/2023, I authorized Capital One to take {$2200.00} from our other outside checking account. Unfortunately, I believe that I will have the same issue. Again, this account also is used to pay bills, some businesses take their payment from the account automatically, others I need to pay, I need access to all of the funds immediately. Depositing it piecemeal is not acceptable.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

on XX/XX/year> Minnesota revenue states my property tax DIRECT DEPOSIT rebate send on XXXX online banking does not show up showing this- called bank where and why not showing- waiting several long minutes and ask another person look into- still says not seeing- told that's the problem why- representative says well how much is the amount said {$1700.00} and I then asked well- why would-you be asking the amount? what's the need to know amount- irrelevant- if not seeing in pending- I stated it's a Direct deposit on this date- All day XX/XX/year> Not showing in account- Next day XX/XX/year> shows online banking***ALREADY COMPLETED ON XXXX ** I HAD NOT ACCESS TO XXXX DID IT EVER SHOW UP AS PENDING- YET NEXT DAY HAD ALREADY '' COMPLETED- SKIPPING THE PENDING AND I HAD NO ACCESS TO UNTIL NEXT DAY. ILLEGAL WITHHOLDING MY MONEY ON XXXX SHOW PENDING YET NEXT DAY COMPLETE*
Consumer complaint received 2023-11-07
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
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. (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. 
DPT ED XXXX XXXX XXXX DPT ED XXXX XXXX XXXX 15 U, S, C. 1681section 602 A, States I have the right to privacy. 

15 U, S, C. 1681section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 c ( a ) ( ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with XXXX 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 in XXXX AND XXXX to be removed 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-13
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)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was paying XXXX XXXX dollars a month payments asked that it be reflected on my credit report balance was told no did not have to do that. The XXXX stopped my payments. I would call XXXX XXXX  and get told I had to speak to a special unit in the company but there was never an answer when transferred so I told complaints with you. How can a debt be a good debt if the Company refuses to let me make payments? How do they get to mess up my credit for refusing to allow me to pay on a debt? I filed a consumer law suit against XXXX or XXXX XXXX  but got told they dont do arbitration? Please explain how this can happen and why. Why has the Federal Consumer Protection Agency allowed a Collection agency to abuse their power refuse payments, stop payments and say that company has a right to report it to a credit reporting Agency
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

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. 


XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports