davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

I possessed a Financial loan from Wells Fargo auto from XXXX until XX/XX/XXXX when they unfairly repossessed me. They were recently sued for unfairly repossessing. Throughout the course of the loan I tried more than 10 times to change my payment arrangement date. Every single time I would sign the paperwork and mail it back in they would lose it. This is exactly why they were sued. I attempted to make a change to my payment date almost every month and they would never allow me to do so even though I followed the parameters of Wells Fargo 's forms and time frame. I am exactly entitled to the settlement of their recent lawsuit being sued for this exact reason. They're making it worse while trying to call them currently XX/XX/XXXX. They're trying to fight me tooth and now rather than pay what they owe for treating me wrong as a client and unfairly repossessing me while never letting me change the payment date for the entire term of the loan from XXXX until XXXX I requested a payment arrangement due date change almost every month and they did nothing. Exact terms of being sued. And then as I call them I meet with resistance with their specialty Department stating that I'm being written emails on their secured website Wells Fargo auto. A multitude of times I've attempted to create an account and am continuously denied the ability to start the account when I called Wells Fargo customer service I was told I'm not allowed to have an account because my car was repossessed. So why are they writing the emails that I'll Never See and their company knows that they're responding on their own website that I don't have access to and they will not gain me access? I am entitled to unfairly repossession settlement funds. And I hope that your company can help me resolve this. My car should have never been repossessed because the month that I was repossessed was like every single other month that they were unfairly tacked on late fees because I get paid twice a month working in XXXX and have tried to change my payment arrangement due date since the start of the loan in XXXX. Wells Fargo has practiced unethical business practices losing my forms and repossessing my vehicle and it's no wonder they were sued.
Consumer complaint received 2024-04-24
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. (MN)

Date of last payment is inconsistent with what's being reported with XXXX. XXXX reporting XXXX Experian reporting XXXX. Date of delinquency is also inaccurate, XXXX reporting XX/XX/year> Experian reporting XXXX. This should be reporting the same if information is coming from same creditor. Remove from my report ASAP due to FCRA Noncompliance. 15USC 1681E Compliance Procedures- whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures for maximum possible accuracy.
Consumer complaint received 2022-10-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Sent XXXX XXXXXXXX XXXX, Transunion, XXXX and XXXX a letter to have my account checked for audit and accuracy. XXXX XXXXXXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Consumer complaint received 2024-04-24
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. (NY)

Upon reviewing my credit report, I'm very disappointed to find that this unauthorized account still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the account, Experian continues to report it, which is deeply concerning. 

XXXX XXXX  XXXX. 

XXXX and XXXX have already recognized the error and removed this account from their records. I urge Experian credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ava Finance, Inc (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 

AVA FINANCE INC Account # XXXX AVA FINANCE INC Account # XXXX
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

I recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.
Consumer complaint received 2023-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HANCOCK WHITNEY BANK (TX)

I sent Hancock Whitney my durable power of attorney which they denied and would not explain the reason. From my understanding, my notification was just for recording purposes and for permission. I have notified Hancock Whitney of the agreement that I have with my trust with a commercial security agreement and trespass and cure. Whitney then notified me that they were closing my account after almost XXXX years without explanation. As hurtful as this is, I wrote them back conditionally accepting the offer to which they double down on closing my account. After I had my XXXX payments sent to that account that they returned after processing my credits as debits. Hancock Whitney has failed to provide me with my interest and proceeds to them utilizing my deposits. I requested to see both sides of the ledger which was refused. In addition to I wrote a letter to XXXX of the Board of Directors. I am not sure of what may be the issue. I am sure that there is some misunderstanding. In addition to many of my payments were reject, which then caused me to fail to perform my obligations. UCC 3-305 says I have a right to payment whether the bank has an issue with processing or not.
Consumer complaint received 2024-04-24
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. (TX)

On XX/XX/2024 I had my complete credit file pulled and there were incorrect collections on my report. 
XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX in the amount of {$870.00} and another account from XXXX XXXX account # XXXX in the amount of {$4500.00}. I have spoken with each agency and was told it would be corrected however neither account belongs to me.I have no knowledge of these accounts and would like them to be removed.
Consumer complaint received 2024-04-24
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. (SC)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello I have noticed several inquries on my report that i did not authorize I've reached out and sent credit bureaus ftc report etc and nothing has happen here are the inquiries... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
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. (VA)

This accounts to reporting inaccurately and are false. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without your knowledge. This is aggravated identity theft and identity theft!!!! according to the 18 U.S. Code 1028A.I did not apply for these credits! I am taking appropriate measure so clean my credit after identity theft but the bureaus have been unresponsive. I have attached all my information for this request. I have also filed a official identity theft report with all the information and account that i did not apply for. THESE ACCOUNT NEED TO BE REMOVED BECAUSE THESE ARE NOT MINE. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.
Consumer complaint received 2024-04-24
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. (CA)

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2022, with a balance of {$9300.00} and XXXX XXXX, opened XX/XX/2022 with a balance of {$7300.00}. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
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: 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. 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 informa
tion 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 2024-09-12
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. (NC)

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 has violated my rights. 


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 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me
Consumer complaint received 2024-04-24
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)

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.

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

TO WHOM IT MAY CONCER, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliancy requirements. 

The inaccurate entry is as follows : Acct Name : XXXX XXXX XXXX Account # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX Acct XXXX XXXX Date Of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXXXXXX XXXX XXXX Acct # XXXX Date Of Charge-Off XXXX XX/XX/XXXX Acct Name : XXXX XXXX XXXX  Acct # XXXX Date Of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : XXXX. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Violation of the following : 18 USC 8.

1692 g.

809.

15 US 1692 e. 

Company sends approval emails and offers to shop, yet has supposedly closed the account?
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TheTenn Inc. (SC)

I tried to use my card thru XXXX XXXX on XX/XX/year> at XXXX XXXX  and it was declined I tired it again same thing tired I again and the same thing I left and went home to get the card. By that time there was a pending transaction say I paid XXXX XXXXXXXX {$76.00} and XXXX cancelled transaction for the same amount. When I got there I tired the card and it was declined but it said that I had paid XXXX XXXXXXXX on my account. Also I paid XXXX  each trip with no problem except for the last XXXX transaction was declined. So I go to freeze the card so no other transaction will go thru. Now they frozen my account saying it will take 3 days for an update. I have all my money there. My paycheck is deposited to that account. How am I to eat for 3 days. I use XXXX to get to work. How am I to get to work.
Consumer complaint received 2024-09-09
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.