davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Aldous And Associates XXXX South XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. Aldous And Associates, XXXX : {$120.00} XXXX. XXXX XXXX XXXX, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter.

Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I paid a collection that I had with XXXX XXXX in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XX/XX/XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is XXXX XXXX XXXX # XXXX reporting as a collection on EXPERIAN only in the amount of {$360.00}
Consumer complaint received 2024-06-19
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. (CA)

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. XXXX ( unauthorized company inquiry ) - XXXX XXXX XXXX ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX  XXXX XXXX  ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
Consumer complaint received 2023-12-18
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. 

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 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 2023-09-21
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. (MI)

I am writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.
Consumer complaint received 2024-06-20
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)

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  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Make a validation with all of theinformation Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-12-18
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

XX/XX/year>, US bank allowed a known person who had fraud on there account give a Treasury check with my name keep my check after they would not cash my check. After I found out this person had fraud on his account, I reported it. US bank allowed that person to keep my treasury check after US bank admitted to me that they would not cash the check because that person had fraud on there account. This was done because 1month ago I closed my account with them because I reported to outside Agencies that US Bank Discrimination because I'm XXXX, XXXX, and my Civil Rights are being Violated by US Bank and Staff,
Consumer complaint received 2023-12-18
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. (MO)

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 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (WA)

I enrolled for a semi monthly auto payment program. When signing up on the customer online portal, it required one to select the first payment date to be prior to the due date. The second payment, I was allowed to select ANY date. However, now after speaking to a supervisor, they will still be charging me a late fee because the second payment is after my due date. No where during the process did the website state that BOTH payments had to be before the due date. Only the first payment had to be prior to the due date. It was EXTREMELY misleading to the consumer because thats an extra {$78.00} they charge for late fee. Why even have that as an option if when you are signing up there are no instructions stating BOTH payments must be prior to ones due date. It doesnt make any sense. Then they tell me Im just incorrect and there is nothing they can do.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (OR)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX  ( the imposter Company ), which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX /XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

The company Synchrony I am financed through for a purchase with Conns has closed my account with them. I an unhappy with this unfair decision as I make payments monthly. I decided to put my account on auto payments cause I would be on XXXX XXXX  and the representative set it up and It didn't pick up that months payment and paid for the future payments leaving me " behind '' on a payment. I received a call notifying it had been cancelled and they demanded payment and I thought it was a scam because I know I'm on auto payment and the there are funds so I called another rep and she ensured me my account is active and wont be closed if I'm able to make this payment so I proceeded to make the payment and she advised I'm current and the account isn't closed. Today I called and learned otherwise and I'm very upset as this is messing my credit report up and totally inaccurate as I intended to pay hence why my car was on file. I believe this is unfair and I need my account reinstated.
Consumer complaint received 2023-12-23
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)

I had the credit bureau 's to verify public records on credit report information they come back with a response that they have verified with the federal courts. Federal courts has sent a letter they do not verify with any agency. So it is clear for that matter you told a lie. A letter from the federal court is attached.
Consumer complaint received 2024-06-19
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. (OR)

: Deletion Of DEPT OF JUSTICE Child Support Account Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) of 15 USC 1681 ( b ) that I have recently discovered on my credit report. 
Upon reviewing my credit report, I have found that there are multiple child support accounts that are currently listed on my report. However, based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kids, XXXX, XXXX XXXX, XX/XX/year> ( XXXX XXXX ), child support accounts are not credit transactions and they are judgements. 
These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 
Therefore, I request that you delete these child support accounts from my credit file as soon as possible. According to the case law XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, et al., Case : XXXX C XXXX, XX/XX/year> ( XXXX XXXX  ), judgments are not considered credit transactions, and it is illegal to report them on a credit report. 
Hence, including these accounts on my credit report is a violation of federal law, and it is affecting my credit score adversely. 
Please ensure that these violations are deleted immediately. Furthermore, pursuant to the FCRA, I expect written confirmation that these accounts have been removed from my credit report within thirty days of receiving this letter. Also, please ensure that any creditors who have received my inaccurate credit report within the past six months are also notified of the inaccuracies.
Consumer complaint received 2023-09-17
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. (MI)

These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : 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 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for {$3400.00} at a Wells Fargo ATM in XXXX XXXX. The bank wrongly adjusted my deposit. On XX/XX/2023, I spoke with Wells Fargo 's ATM department. They said that they would review my deposit and the funds would be available the next day. That same day I made a second call to check the status. They said the bank accepted the deposit and that they re-deposited the fund to my account, that I should have the funds by the next day. On XXXX XXXX, I did not get the funds. I called the ATM department again. They said they were having technical difficulties and that the funds should be ready by XX/XX/2023. I called a second time that day to confirm that I would have access to the funds XX/XX/2023. They said most likely I would have access by the XXXX but worse case scenario I would have the funds on Tuesday, XX/XX/2023. I didn't get the funds XX/XX/XXXX. I called Wells Fargo 's costumer service and they did not tell me the reason why my funds do not show up on my account.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

America Express has falsely advertised ( and continue to currently falsely advertise ) that if I as a holder of two different American Express XXXX cards ( XXXX XXXX and XXXX XXXX ) will receive XXXX XXXX XXXX if I refer a friend that is approved and opens an account. 

Over 15 months ago, on XX/XX/XXXX at XXXX XXXX XXXX I logged into my American Express Account and referred my friend XXXX XXXX to get a XXXX American Express XXXX card to her email address. 

On XX/XX/XXXX at XXXX XXXX, my friend XXXX received an email from American Express from their email address XXXX to her at the email address I referred. This email specifically states that I referred her and both she and I would get XXXX miles if she applies and as approved. Furthermore, this same email also specifically states that if she decided to choose a different XXXX American Express Card from their selection, we would still both be rewarded. 

My friend completed this, and has now had her card for over 15 months since and counting. She received her original promotional bonus, yet I have yet to receive a single mile for referring her, and it is now over a 15 months later. 

I called American Express twice about this ( XX/XX/XXXX and XX/XX/XXXX ), and have never heard back. The rep I spoke with from American Express tonight, XXXX, did not even ask me the date, her name nor any other info. He just said American Express is not showing I ever referred someone. 

This was strange as the original person I reported this to two months ago on XX/XX/XXXX asked me my friends name, email address, and date so they could research and see what the plan was then and get the referral miles to me. 

To date I have received nothing for this referral. XXXX then told me to wait at least a week and call back. That is not acceptable. American Express at this point should be proactively reaching out to me in regards to their false advertising that has been on their website every day for the entire 22+ years I have had my own Am Ex Cards. 

I have a copy of the original email American Express sent to XXXX on XX/XX/XXXX, as she sent it forward to me. 

This is a gigantic scam by one of the largest credit card companies in the world, and should not be tolerated. 

At this point, I believe I should be given at least double the original mileage amount I was originally promised to make up for this disturbing attempt of American Express to not honor their agreement with me. 

I can only imagine how many thousands of other card holders they have scammed out of miles as well, as to date, this referral plan is on their website. 

I am happy to provide any of my account info, my XXXX number, as well the as original referral email American Express sent to my friend on XXXX.