davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (FL)

I am writing to dispute account on my credit report that were made whithout my consent. According to section 604 of the FAIR CREDIT REPORTING tosection act ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNT XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. DELETE
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Keep in mind these are posting dates - transaction dates occurred earlier. 

XX/XX/XXXX, clearing XX/XX/XXXX, Visa Debit purchase of {$33.00} XX/XX/XXXX, cleared XX/XX/XXXX - XXXX - {$1200.00} transferred to my WF checking account. 

XX/XX/XXXX, cleared XX/XX/XXXX - {$690.00}, sent XXXX through XXXX to XXXX XXXX in XXXX {$580.00} balance - XX/XX/XXXX, cleared XX/XX/XXXX - {$120.00} sent to XXXX  XXXX XXXX account ending in XXXX {$460.00} Balance On XX/XX/XXXX I attempted to send a package through XXXX by purchasing waybill online. Used WF Checking Visa Debit account. Transaction for {$180.00} rejected. Attempted transaction again with WF Visa Debit, for a slightly different XXXX service. Transaction for {$190.00} also rejected. 

However, WF put both transactions through my account, debiting both ( {$380.00} ) against my available funds. These transactions were ALWAYS pending- NEVER cleared. 

XXXX Opened a claim inquiry with WF - Reference Number : XXXX XXXX Email from WF saying that due to those charges from XXXX - my account was overdrawn for the {$690.00} transaction payment to XXXX - and an over fee would be assessed if I didn't fix it by XXXX ET on XXXX. 

XXXX - Overdraft fee of {$35.00} assessed against my account. 
XXXX - receive response from XXXX admitting their error. I forward this information to WF. 
XX/XX/XXXX - The two XXXX charges which were always pending, are dropped from my account. 
The improperly assessed overdraft fee of {$35.00} is not removed from my account. 
Email WF to complain - generic response - fee not removed. 
XX/XX/XXXX - telephone WF banker to remove overdraft fee - THEY REFUSE. 
XX/XX/XXXX - contact you at consumerfinance.gov
Consumer complaint received 2024-05-25
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of XXXX. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX, XXXX before in my life.
Consumer complaint received 2024-05-25
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. (SC)

On XXXX XXXX the following companies ran my credit without my knowledge or consent. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for the inquiries to be removed from my credit reports immediately.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2023-12-12
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. (NV)

You, Transunion LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood. Not only that, Transunion LLC has no operating jurisdiction in United States of America or to its citizens and if so show proof of jurisdiction and show proof of my wet signature giving consent or authorization. I am a human bodily flesh, who is not part of the United States corporation U.S. but I am a United States of America XXXX XXXX XXXX ; who you are imposing on and i do not consent or authorized to contract with XXXX or any of its subsidiaries. Ucc-1-308
Consumer complaint received 2024-05-25
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. (NC)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Consumer complaint received 2024-05-25
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. (MI)

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.

and 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 2024-05-24
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

Firstly, I paid My state of XXXX. state income taxes. They never received a payment from Wells Fargo Bank. Secondly, I made a payment to XXXXXXXX XXXX XXXXXXXX XXXX, who also didn't receive money withdrawn from My checking account. XXXX XXXX credit card # XXXX XXXX XXXX XXXX. Lastly, Wells Fargo brokerage illegally transferred stock certificates to XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX without My permission. Kindly audit My brokerage account for illegal activities on the part of Wells Fargo Bank. The brokerage account number is XXXX Wells Fargo Advisors . Inconclusion Their are times when ; The fund I invested should have made XXXX  gains, but it decreased in value. I question If shares were transferred to conceal someone stealing from My account
Consumer complaint received 2024-05-25
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account XXXX XXXX XXXX and XXXX XXXX  XXXX reporting not only as OPEN, but also shows a past due balance of {$1000.00}, {$1200.00}, {$650.00}, {$400.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Consumer complaint received 2024-05-25
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. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$400.00}
Consumer complaint received 2024-05-25
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. (TX)

I am writing to follow up regarding the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX Balance XXXX : {$2700.00} ; XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2000.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$99.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXXXXXX XXXX  XXXX XXXX Owed XXXX {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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)

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Consumer complaint received 2024-05-25
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. (IL)

I am sending this complaint as a follow-up regarding the issue of fraudulent items listed below, which are still appearing on my credit report in violation of federal law. This follows my previous complaint dated XX/XX/2024. I appreciate that some fraudulent items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that some fraudulent items remain, particularly with the Experian credit bureau. Please remove all the fraudulent items from my file. According to the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove the listed items in the ID Theft report within the legally mandated time frame. The continued reporting of untruthful information is now affecting my credit. Below is a summary of the fraudulent items still showing on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-24
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. (PR)

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.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

This company is attempting to collect on a debt that is not mine. XXXX and Resurgent both have this account open and reporting in collections on my credit report as negative. I have not signed any agreement or contract with resurgent or received any goods or services from them. Please delete this account from credit report. 15 USC 1692c ( c ) clearly states If a consumer refuses to pay a debt the debt collector shall not communicate further with the consumer.