davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in XXXX it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX congress didnt pass that so i dont kow where XXXX go from here its just not fair
Consumer complaint received 2024-01-27
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. (MO)

I reviewed my credit report 2024 of XXXX and noticing EXCESSIVE, unlawful credit reporting violations BY TRANSUNION, XXXX in accordance of ; 15 U.S. Code 6821 ( a ) ( 1 ) ( 2 ) ( 3 ) - Privacy protection for customer information of financial institutions.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A " person '' and or company 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

Hello, my name is XXXX XXXX and I've noticed this problem on my credit report in XXXX XXXX.I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : 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 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have sent dispute letters to XXXX  informing them that my son went to court about this Pen Federal account that I co signed on was dismissed in court of law it was not resold to anyone because it has been removed from his credit profile and with out prejudice and responsibilities. The judge said to remove it! and I SENT in a copy of it to CFPB showing the court document and the response. Im not sure why if im showing you proof of the documents, remove it from my credit I was only a co signer NOT MY ACCOUNT! DELETE NOW I HAVE OVER 30 YEARS OF GREAT CREDIT AND THIS IS THE ONLY ITEM THATS negative!! remove now and forever. Pentagon federal CR UN account # XXXX
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: LOBEL FINANCIAL CORPORATION (CA)

On XXXX my second car payment was due. At the time I was working reduced hours and didnt have the payment. Lobel financial allows a 10 day grace period. On XX/XX/XXXX i received a call from them asking about the payment I explained to them that I got paid the following week and would make the payment then. Once I got paid I still didnt have enough to cover the full payment of {$370.00} but I did have {$200.00}. On XX/XX/XXXX I attempted to make the payment online but was prompted that I had to pay a minimum of {$290.00} which I didnt have so on XX/XX/XXXX I was able to get ahold of customer service and they accepted the {$200.00} payment and explained that the remaining balance was {$190.00} ( there was a late fee included ) I was also told that the account was 24 days past due. Around XXXX pm on XX/XX/XXXX my car was repossessed with out my knowledgemind you this is a new loan. So the next day I call Lobel and they refused to do business with me and stated they would be selling the car back to the dealership. The dealership picked up the car from repo on XX/XX/XXXX. I havent heard anything since.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I placed an order online and the merchant charged me twice, billing my credit card as well as my PayPal, which according to PayPal, was my automatic payment method, which I never even selected. So the seller ended up charging both of my accounts. I showed PayPal proof of this via my other bank statement, and twice they closed my claim in the sellers favor, each time stating that no proof was given to show that I paid using another payment method. They are illiterate and incompetent!!!
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is debiting {$5.00} from my savings account each month, because they claim I do not have auto-deposit established on the account. They have done this 3 months in a row even though I do have auto deposits created, to transfer {$25.00} from my checking to my savings with each direct deposit. Chase is stealing from me.
Consumer complaint received 2024-01-27
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. (TX)

I am writing to dispute the accuracy of certain information on my credit report, which was previously brought to your attention in my certified letter dated XX/XX/2023 ( Tracking # XXXX ). According to 15 U.S.C. 1681 ( c ) ( 2 ), a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. Regrettably, I have not received any notification regarding the block of information as mandated by 15 U.S.C. 1681c-2.

I would like to bring to your attention the provisions outlined in 15 U.S. Code 1681n - Civil liability for willful noncompliance, which specifies the consequences for failing to comply with the Fair Credit Reporting Act ( FCRA ). It states, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Furthermore, 15 U.S. Code 1681i - Procedure in case of disputed accuracy outlines the procedures to be followed in cases of disputed information. Subsection ( 5 ) specifically addresses the treatment of inaccurate or unverifiable information. If, after reinvestigation, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency is required to promptly delete or modify that item of information and notify the furnisher of the information accordingly. 

I demand that you delete all the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The Following Accounts are as follows : XXXX XXXX XXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX -- -ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX -- -ACCOUNT # XXXX
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted A dispute to both XXXX and transunion for removal of all five of the student loan accounts from XXXX XXXX  of education as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and XXXX refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (MN)

I am having an issue getting my consumer report from Innovis. I want Innovis to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-01-27
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. (MN)

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 2024-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AZ)

I CALLED SHELLPOINT MORTGAGE ON XX/XX/XXXX OR XXXX XXXX TO SINCE MY LOAN, WHICH HAD TRANSFERRED TO THEM, DID NOT APPEAR ONLINE. I WAS TOLD TO WAIT ABOUT 1 WEEK ... SINCE I WANTED TO MAKE A PRINCIPAL PAYMENT ON THIS INTEREST ONLY HELOC. I CALLED AGAIN ON XX/XX/XXXX SINCE THE LOAN WAS FINALLY ON THEIR ONLINE SITE BUT MY PAYMENT WAS BEING HELD IN SUSPENCE ... A PAYMENT WHICH INCLUDED THE REGULAR PAYMENT OF {$1000.00} AND A PRINCIPAL PAYMENT OF {$3000.00} FOR A TOTAL OF {$4000.00} WAS MADE ONLINE ON XX/XX/year>. 

I CALLED AGAIN ON XX/XX/year> WHICH WAS THE DATE THEY TOLD ME THE MONEY FROM MY ACCOUNT WOULD BE CREDITED ... IT WAS NOT. 

I CALLED AGAIN ON XX/XX/year> SINCE I WAS TOLD THE DAY BEFORE THEY PROBLEM WOULD BE FIXED..IT WAS NOT. I CALLED AGAIN ON XX/XX/year> AND THE PROBLEM WAS NOT FIXED. 

I CHECKED THEIR WEBSITE ON XX/XX/year>, AND THEY HAD APPLIED A PAYMENT OF {$1100.00}, WITH A DATE OF XXXX XXXX XXXX  AS THE DATE IT WAS APPLIED, INSTEAD OF THE DATE THE PAYMENT WAS RECIEVED WHICH WAS XX/XX/year>. IN ADDITION THE PRINCIPAL PAYMENT WAS NOT APPLIED.

THIS ENTIRE SITUATION IS DISTUBING AND CAUSING ME TO SPEND A GREAT DEAL OF TIME AND EFFORT. I WORK AND HAVE LITTLE TIME TO MONITOR THIS MATTER. ADDITIONALLY THIS HAS DISTURBED ME TO THE POINT OF NOT BEING ABLE TO SLEEP AND BEING WORRIED ABOUT WHAT THE OUTCOME WILL BE.

SOMEONE NEEDS TO INTERVENE AND GET THIS STRAIGTHENED OUT.
Consumer complaint received 2023-01-02
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: Central Portfolio Control Inc. (IL)

I checked my consumer report XX/XX/2022 and noticed there was a collection account for CENTRAL PORTFOLIO CONTRO that was opened on XX/XX/2022 for {$1000.00}. This company never gave me the opportunity to dispute this debt they claim that I owe. This company and the credit reporting agencies have been willfully negligent by not having this account reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. I will also add that this debt belonged to a different collection agency, XXXX, up until XX/XX/2022 which was deleted from my consumer report because they could not provide the proper instruments of debt validation.
Consumer complaint received 2024-01-27
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)

Subject : Opt-Out Request Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that XXXX XXXX XXXX XXXX is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-28
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) sent a settlement letter regarding an alleged debt to Discover Bank. XXXX failed to validate the debt as required by XXXX XXXX. XXXX ( b ) of the FDCPA. XXXX has not provided evidence of the debt 's validity nor their authority to collect it. ( These seem late for XXXX, but I only learned about these occurrences in the recent transmittal to me, on XX/XX/XXXX, of the files pertaining to settlements from my escrow account with XXXX ). XXXX has entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX ), acting purportedly as my representative on XX/XX/XXXX. This agreement was made without my knowledge or consent, violating XXXX XXXX. XXXX ( XXXX ) for false representation and XXXX for unfair practices. I retained XXXX to negotiate my validated debts ; however, XXXX paid settlements and took fees without validating debts and without disclosing the details of the parties to me, constituting a breach of fiduciary duty. In this case, the settlement agreement is with XXXX, a nationally known entity, yet lacks reasonable information, including any designation of who the parties are, a lack of a formal signature, and missing significant legal character. According to XXXX XXXX. XXXX ( a ), Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt. Given these violations, I believe the settlement pertains to an unvalidated debt. Any funds collected must be returned to me per XXXX U.S.C. XXXX ( c ). I have terminated my agreement with XXXX and request that all further communications be conducted in writing to XXXX.
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Opportunity Financial, LLC (TN)

Ive been disputing inaccurate information on XXXX/opploans for a while and they keep updating information every time I provide information. Which is total opposite of my providing information. Im providing it telling them their information is incorrect to get the account deleted not for them to keep trying to use my information to verify. I also did not give the company consent to share my personal information with any third parties. I couldnt have because the account isnt mine. My information was on the dark web back in XXXX. This company is not following consumer laws. They did not and still does not have my correct information. Ive told them to show me verifiable information. I was sent a discloser and it has an address that Ive never lived and a number that Ive never had. This has been going on for a long time and I demand that they delete/ permanently remove the account off my consumer report for having inaccurate and unverifiable information. And I also emailed XXXX and never got a response. 

Under the FCRA, you are required to ensure the accuracy and completeness of the information in my credit report. The continued presence of incorrect or unverifiable information, as well as the inadequate resolution of my disputes, constitutes a violation of these requirements. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

**Lack of Consent** : According to consumer protection laws, no information should be reported on my credit report or shared with third parties without my consent. The presence of such information on my credit report, especially if it was included without my approval, is contrary to these legal requirements. 

**Unauthorized Disclosure** : There is evidence suggesting that my personal information has been shared with or sold to lenders or other entities without my permission. This is a violation of my privacy rights under the FCRA, which requires that my information be handled with my explicit consent.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' Please delete all of these accounts off of report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANKRUPTCY
Consumer complaint received 2023-04-28
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: WELLS FARGO & COMPANY (GA)

Purchased some items from XXXX online store. Items did not fit. Returned. Received just partial refund. Filed a claim with the bank issuer, provided return labels, i even have pictures saved on my phone of packing, taping and labels with UPS return labels. 

Filed a claim with Wells fargo. Claim status : Claim open - waiting for merchant. 

Today : Claim status : Closed, unfortunately we are declining your claim because we should have some mystery form that we did not get or send to you. Even if i provided them with the return tracking numbers. Completely unacceptable.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX