davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2024-08-03
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. (TX)

As stated in my last Cfpb report I pulled both my TransUnion XXXX XXXX credit report when I noticed that my reports were reporting inaccurate information due to fraud. I contacted XXXX asking politely to provide an original contract & was denied & also requested validation of debt which the representative denied as well. I notified XXXX that the account was fraudulent and the company insisted the debt had been sold to a XXXX party I then contacted the 3rd party debt collection requesting to Verify the debt & a purchase agreement which the debt collection XXXX XXXX XXXX failed to provide & denied sending a purchase agreement or contract as well. Under the FCRA Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.it is required by law to delete & remove inaccurate information reporting to my credit report that is also committed under identity theft I kindly ask that this account is removed thank you!
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NV)

In XXXX I received a letter from Wells Fargo that requested, I change my home address to my physical address. I reside in an area, that is not served bt the USPS and we all have po box es. I changed it to a private address, that functions as a mailbox. After several weeks I received a similar letter, now threatening me, if I didn't change my address to my physical address, I would loose online account access. This is when I walked into the XXXX branch, showed them the letter, and asked why they were doing this? I also explained, that I had previiously had issues not receiving my bank cards, because they had send it to my physical address. The banker told me, that they had orders to request the physical address due to new laws. When asked which laws he referred to, he said he was not allowed to tell me! Could you please help me rectifying this? 
Sincerely XXXX XXXX
Consumer complaint received 2023-10-28
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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX - XXXX EQUIFAX : XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in XXXX and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN  CREDIT  Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XX/XX/2024 I visited XXXX XXXX XXXX website at XXXX XXXX XXXX  and completed a new customer savings account application. Almost at the end of the process, the system prompted me to follow the steps to complete the online money transfer online, which I completed and it confirmed that the accounts were linked. Right after that, I got a message saying that my application was denied and to call a number for further assistance. I called XXXX on XX/XX/2024 a courteous banker XXXX attended my call. I explained the issue to her. She placed me on hold and investigated, however all I got was that the system detected some red flags on my record. I told her that I do not understand what the problem might be since I do not have any knowledge of any financial issues in my record whatsoever. I do not have bad credit either. She transferred me to a XXXX line. I left a message to XXXX XXXX or XXXX XXXX. I have not heard anything from them since. I am a school teacher in California and I do not owe a lot of money to anyone or have any financial issues that I can think cause red flags on my record. I would like to hear from XXXX XXXX XXXX what is the real issue for the account application denial.
Consumer complaint received 2023-09-21
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. (NJ)

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I notified Bank of America of reporting inaccurate information on my consumer report on XX/XX/2023 concerning an account ending in XXXX. Bank of America replied that they verified that all the information is correct and it seems to be my account. Bank of America did not read my letter concerning the nature of my letter. Reporting a charge off on my consumer report is inaccurate information. I am not disputing with Bank of America whether this previous debt was mine or not. I am disputing with Bank of America that reporting a charge off on my consumer report is furnishing inaccurate information. I have sent Bank of America evidence of the meaning of a charge defined by the IRS. According to the IRS all charge offs over XXXX dollars is considered income. According to Eperian income is not supposed to be reported by any furnisher to any Consumer Reporting Agencies. This tradeling account at the very least must be reported as paid for less in my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ME)

In response to a falsified e mail a {$650000.00} wire transfer was made from a XXXX XXXX account to a Wells Fargo bank account -- -- the account number, bank and routing number were to an existing account but that account is not the recipient 's account because the recipient HAS NO WELLS FARGO ACCOUNT. 

The name of the intended recipient was XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( no typo ) -- - The account name to which the funds were mistakenly sent and which supposedly corresponds to the account number is " XXXX XXXX XXXX ''. 

The wire request from XXXX XXXX ( requested Friday XX/XX/2023 and completed Monday XX/XX/2023 states that the name on the account to which the funds are to be credited is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ''. Wells Fargo HAS NO SUCH ACCOUNT TITLED IN THAT NAME. 

On Monday XX/XX/XXXX the sender ( author of this Complaint ) through XXXX XXXXXXXX initiated a wire recall notice to Wells Fargo. It is not Thursday XX/XX/XXXX and Wells Fargo REFUSES TO HONOR THE RE-TRANSFER DEMAND. 

WELLS FARGO IS ON NOTICE THAT A FRAUD HAS BEEN PERPETRATED, via XXXX XXXX 's fraud unit and it continues to refuse to honor the reissuance of the funds. 

THE FUNDS ARE IN IMMEDIATE DANGER OF BEING RELEASED TO THE PERPETRATORS OF THE FRAUD AND WELLS FARGO, KNOWING THIS, CONTINUES TO FAIL TO PROVIDE ANY RELIEF VIA ASSURANCES, RETURN OF THE FUNDS, OR ANY OTHER ASSISTANCE. I was advised that it may have " blocked '' the account to which the funds have been deposited -- -- the very same account of the PERPETRATORS OF THE FRAUD - but that the block may only remain for a short time -- -- -- -- -- -- meaning the funds could very well be released to the perpetrators while Wells Fargo is on notice of the definite fraud. Time is of the essence. 

THE ACCOUNT NUMBER TO WHICH THE FUNDS WERE SENT AND SUPPOSEDLY DEPOSITED IS -- - XXXX -- -- -- - it is from this account that the {$650000.00} must be released to XXXX XXXX rather than to the fraud perpetrators using this account.. 

Thank you! Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX. XXXX, XXXX I received multiple alerts from my credit monitoring accounts ( XXXX, XXXX, XXXX ) that Navy Federal Credit Union updated a payment history on an account thats been charged-off/closed since XXXX XXXX. 

The remarks left updated on the account stated : The XX/XX/XXXX payment status for NAVY FCU was account updated from 150 days Late to 90 days late. 

Navy Federal Credit Union has done some backhanded business with debt buyers like : XXXX XXXX, XXXX by changing last payment dates to look more attractive to companies like them. The last payment resets the debt. Example : I like in Maryland the original creditor has XXXX years to legally collect a debt from the debtor. 

If my account was charged off/closed in XXXX XXXX Navy Federal Credit Union had the opportunity to legally collect debt prior to the last date of XXXX. XXXX. 

Reason for failed payments are personal that Im facing still to this day.

But, Navy Federal Credit Union & the debt buyers they work with are doing shady practices to people everyday. 

Currently in a battle with another debt originally from XXXX XXXX thats been transferred to their debt collector : XXXX with a changed last payment/charged off date. 

Also, I called Navy Federal to see if a 1099C was done on any of the accounts I owed ; & was told that no information could be given because the all accounts have been charged off as of : XX/XX/XXXX.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I sent money from my account to a contractor using XXXX. The phone number was wrong ( XXXX ) and so it was sent to the wrong person. That individual will not pick up their phone when called. I disputed the charge with US Bank, but they claim that the receiving bank refuses to return the money ( {$2000.00} ) so there is nothing they can do. I tried to dispute it as soon as the charge was made, and the money was unclaimed, but they refused to return the money to me and instead held a larger charge that I did not and was not disputing and sent the {$2000.00} to the wrong person after three days. This was three weeks ago and they have now stopped responding to me when I try to contact them.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-14
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. (TX)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-08-30
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX