davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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. (LA)

On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.
Consumer complaint received 2019-05-09
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: WELLS FARGO & COMPANY (CA)

This is an official grievance against WELLS FARGO BANK ] situated in XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, WELLS FARGO BANK has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

Below is the fraudulent account that I need to be removed : WFFNATLBNK ACC # XXXX**** I am attaching proof of this company acceptance to delete for reference
Consumer complaint received 2023-09-18
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. (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 XXXX 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, experian, XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-24
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. (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 or https : //www.ftc.gov 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (MT)

I disputed to reporting agencies all debt concerning XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2024-03-08
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.

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 2019-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DFC Global Corp. (CA)

in XX/XX/2018 I received a {$5000.00} installment loan from Money Mart. I made about 4-5 payments and then had difficulty with paying the almost $ 600 monthly payment. I needed to talk to  them but had difficulty locating the number to reach customer service. I never received any monthly statements, notices, or anything regarding my installment loan with Money Mart either by mail or by email. I fell behind on payments and while trying to fix things, the loan was charged off and I wasn't notified before or after. The loan had not initially even appeared on my credit report. I'm not sure if they are required to, but I believe the Fair Credit Reporting Act requires that they notify me when negative information is being furnished to the credit bureaus, doesn't it? I did not know that they were going to report this information until I checked my credit and saw that a 90 day late had appeared. I called them and was told by the person on the phone that they " just started doing stuff like that '' and they didn't have much information to give me. I ended up with 2x90 day lates on my XXXX   report and then without warning the loan was charged off. FCRA rule states that the creditor is supposed to notify consumers if negative information is going to be reported to credit reporting agencies including charge-offs and late payments and the notification is supposed to be done within 30 days. Without notification I did not have sufficient opportunity to rectify the situation. I don't think this is fair. The 1000 % interest rate may have been legal in California but I feel like this was not a fair deal. I believe that not providing statements and written communication is part of an overall strategy to take advantage of borrowers like myself. It's like they want me to default.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-21
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. (MT)

I disputed to reporting agencies all debt concerning XXXX  XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (MD)

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 XXXX XXXX XXXX. 


Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am listed as being 30 days late on my XXXX credit card for however after requesting my statements be emailed to my the branch manager because XXXXXXXX XXXX has REFUSED to mail my statements to me and has instead keep me on paperless statements despite me telling them countless times I do not have access to online statements. This is a violation of the E-Sign act and due to this inaccurate reporting I will be filing a lawsuit against XXXXXXXX XXXX However at present I am providing proof that my account can not be 30 days late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement emailed DIRECTLY from the branch manager. Showing both XXXX and XXXX paid on time. This inaccurate reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me personally and financially and I will be seeking legal action against all parties not just XXXX XXXX if it is not corrected expeditiously. 

I have attached a copy of my ID for identity verification
Consumer complaint received 2024-05-22
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. (IL)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-05-20
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)

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 informationisinaccurate.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

On XX/XX/23, I was approved through Aidvantage for an income-contingent replacement plan where I would pay {$68.00} a month. I just got an email on XX/XX/23 that they changed that to a SAVE program where I would pay XXXX  XXXX monthly. I don't know how this happened. Maybe I applied accidentally, but now I can't get anyone on the phone and the chat app is shut down because it says they are too busy. I can't pay for this.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a distressing situation with my Capital One 360 Checking account, ending in XXXX. On XX/XX/XXXX, I received an email alert from Capital One regarding unusual activity on my account, prompting me to contact them for verification. Despite following their instructions diligently, including providing my passport and company documents as proof of identity, I was informed that my account could not be verified without a Social Security Number ( SSN ) or Individual Taxpayer Identification Number ( ITIN ). As a non-U.S. citizen with only an Employer Identification Number ( EIN ), I found myself at an impasse. 

Despite repeated attempts to resolve the issue, Capital One failed to provide a satisfactory solution within the stipulated timeframe of 90 business days, as indicated in their response email. Moreover, without any notice or authorization, Capital One withdrew all funds from my account on XX/XX/2024, totaling - {$3800.00}. 

As a Pakistani citizen and passport holder, I am reaching out to you for assistance in seeking justice in this matter. Despite my numerous attempts to engage with Capital One, their customer representatives have been unhelpful and unresponsive. I possess all necessary documentation, including bank statements, emails from Capital One, and supporting evidence, to substantiate my case. 

I kindly request your intervention to help resolve this issue and ensure that I receive fair treatment and restitution for the unauthorized withdrawal of funds and the lack of assistance from Capital One. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

i purchased a mini XXXX XX/XX/XXXX from XXXX XXXX. when the jeep arrived it was severely damaged and not usable at all. i reached out to the company many times to try to get the item either returned or replaced and the company did not want to do anything at all to help me. the jeep was {$2800.00}, and the company offered me {$100.00} to fix {$2800.00} worth of damaged. they did not want to take any responsibility whatsoever. That is when i opened a case with Goldsman Sachs to fully dispute the charge against me since i did not receive the product i ordered and instead got damaged goods. I provided all the emails that i had with Venom to the credit card company, i provided all the damages pictures i gave Goldsman Sachs every information that i had. i was thinking that it would be an absolute no brainer for Sachs to make the correct decision biased on all the evidence i provided. to my surprise Sachs declined my dispute and sided with the vendor. i later got a letter from Sachs explaining why they decided how they decided and to my surprise they did not look at any information that i provided them. they fully ignored all my evidence and sided with the Venom.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I sent a payment for {$4000.00} to pay off my account and on XX/XX/XXXX usps tracking shows it was delivered to them. On XX/XX/XXXX I had to make a phone payment and they added interest fee though my payment showed delivered to them. I filed a dispute with you guys and it got reversed. I had to cancel the check amd make my payment over the phine for the {$4000.00}. And they added a finance charge again. I feel like they are just adding interest even though they lost my original payment since I can show I sent my full payment on XX/XX/XXXX I want yo add they gave me a provisional credit which they reversed am they did the same with finance. They credited over {$80.00} dollars and added a little over {$60.00} dollars. It is not my fault they lost my payment.
Consumer complaint received 2024-05-21
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. (FL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-03-11
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. (MD)

I would like to dispute the following items on my crdit report : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date XXXX