davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/XXXX I opened an account with the purchase of furniture with the agreement of 12 mos. same as cash with an ending date of XX/XX/XXXX! The credit limit was {$4500.00}, and I set up an automatic monthly payment of {$450.00} a month to pay it off in the 12 mos.! On XX/XX/XXXX I added to my account with another purchase of furniture in the amount of {$320.00} that in my mind has nothing to do with the previous purchase even though it is the same account! The account was being paid every month like clock-work as it was on auto pay! On XX/XX/XXXX I made another furniture purchase of {$3800.00} which was also under a 12 mos. same as cash agreement separate from the first that expired on XX/XX/XXXX but was on the same account because the first agreement was about to be paid off, it had 2 more mos. of payments! According to the statements the balance was {$500.00}! However for some reason they charged me a late fee of {$27.00} on XX/XX/XXXX and I must admit that I didn't watch this account like I should have because it was on auto-pay! After the Purchase on XX/XX/XXXX I set up auto-pay in the amount of {$320.00} a month which would have paid off the {$500.00} in the two months left on the first purchase! However they charged me {$790.00} interest on XX/XX/XXXX stating that the account still had a balance on it. Well with the other two purchases of course it had a balance on it but that has nothing to do with the monthly regular payments made to pay off the first purchase! And they did the same thing with the second purchase at the end of the agreement they said I had a remaining balance and charged me {$1000.00} Interest on XX/XX/XXXX! All is done and paid off, I paid {$580.00} on XX/XX/XXXX to leave the account a balance of {$780.00} which is the interest charge for the first purchase, but they say my balance owed is {$1800.00} which is all the Interest that they have charged me on this account unjustly! I have tried to talk to them about it but I can't get an answer on the phone, and I have received two letters that basic state that I had a balance on each charge of interest which is not true. If I had a balance it would be more on the balance now than just interest! And also remember I made a purchase on the account back on XX/XX/XXXX for {$320.00}, ALL PAID OFF!! Before XX/XX/XXXX! And I PRAY that this is not being done to anyone else, it is very upsetting to me!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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, has violated my rights. 


I looked at my Transunion credit report in XXXX of 2024, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Transunion has shown me no proof of validation. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-05-01
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. (VA)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NM)

I have been trying to contact navient to explain my loan and interest and cant get through. In the event I am able to speak with them they tell me there is nothing that can been when it clearly states on the website that I do have options as far as income driven repayments.
Consumer complaint received 2024-05-27
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (CO)

Subject : Immediate Removal of Bankruptcy Entry from Credit Reports I am writing to demand the immediate removal of the bankruptcy entry on my credit reports. I have never authorized this reporting, and I am officially opting out of any such reporting, both now and in the future. 
This request is supported by the Privacy Act of 1974, 15 USC 1681a, and regulations under 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, which require explicit consumer consent for the disclosure of such information. In addition, 12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting, which I have not provided.

I also wish to point out that I have received confirmation via email from the Colorado Bankruptcy Court stating explicitly that they do not provide information to credit reporting agencies. This is further evidence that the reporting of my bankruptcy is both unauthorized and in violation of my privacy rights as outlined in the aforementioned statutes. 
Given these facts, I insist on the immediate removal of the bankruptcy reporting from all my credit reports and confirmation that I have been opted out of any future reporting of this nature. 
Thank you for your immediate attention to this matter. I expect to receive confirmation of the removal of the bankruptcy entry within 30 days of this letter.
Consumer complaint received 2024-01-26
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. (TX)

I reviewed my report due to a data breach with a mortgage company XXXX XXXX was previously. I noticed a XXXX closed account with a balance of {$1700.00} on XX/XX/2023 with no account number. This is not my account. The second account was XXXX XXXX closed with account number ending in XXXX. Please investigate and provide proof with statements showing that these accounts belong to XXXX XXXX XXXX and did not authorize these accounts. Thank you so much for assisting in this urgent matter
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-05-01
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. (SD)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$22000.00}
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (MI)

XXXX has been falsely reporting that I was not making payments on my account since XXXX. In which, XXXX made it appear as I never paid them 45 times on 5 different loans. In XXXX, I was part of the navient law suit due to them participating in predatory lending practices. XXXX then took off 8 of the said 15 loans they said I had from my credit report and then only reported that I had 7 loans which is false. XXXX continues to report false information on my reports and has done so for over 12 years. This has impacted my ability to secure housing and so many other things. I keep reaching out to Experian to remove all false information especially information that to all my student loans being dismissed and paid in full due to a company not being honest! They still have it appearing on my reports. I had 15 loans with XXXX not 7 and it is unfair that they can decide when to accurately and falsely report information!! Experian allows this activity and it is damaging. XXXX was not reporting all accurately and even on their website was nit reporting when {$400.00} payments were being made monthly in XXXX and XXXX they were reporting to bureau as no payment was being made on time.
Consumer complaint received 2024-05-01
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. (CA)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6300.00} XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2024-07-08
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've always made sure payments on this account are made on time, ensuring they never become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-01
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. (TX)

" Your agency is in violation! 
15U.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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$2400.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness.
Consumer complaint received 2024-05-01
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XXXX XXXX must stop trying to collect on rent that I did not owe, I was a XXXX old XXXX XXXX when my mom moved in 2021 and bc I was over XXXX I had to be on the lease! I did not sign as a consigner I was just a XXXX kid resident. My part time check did not get me this rent. Please stop harassing me with a {$6900.00} bill. I am XXXX yrs old and this is not my bill- my Moms filed bankruptcy! We don't owe this money- y'all can't make XXXX yr old and XXXX yr olds pay for rent we couldn't afford on our own bc our parents had a hard time! We ain't responsible for our parents.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (CA)

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (IL)

XX/XX/XXXX I sent the amount of XXXX XXXX money transfer international to XXXX XXXX XXXX and the amount was claimed by someone else at least that I was told by the time that my friend claimed the money was told the claim number is been used by someone else and in order to claim the money this " other people '' needed to shown an ID on XXXX XXXX XXXX XXXX famous for stealing moneys customers in XXXX ..so I confirmed that those rumors are correct .My friend fill out a complaint that XXXX  '' still investigating '' and i called " Remitly '' the money app and their answered was that they are not responsible since the other bank marked tje money wire as " claimed " which is false.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My vehicle was broken into, my phone and wallet were stolen. The perpetrator accessed my phone, bank account and made a string of unauthorized actions. A dispute claim was filed with Bank of America on XX/XX/24 for {$180000.00}. A decision was made in less than XXXX hours. I filed for a reconsideration once my police report was finalized. My dispute has been open for more than XXXX business, I've not received any new information, no credit. I contacted Bank of America today, on XX/XX/24 with no updates. Every single associate I've spoken with has told me different information or no information at all.
Consumer complaint received 2024-05-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>