davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NY)

To Who it may concern ; This is about the consumer credit transaction entered with your company dated XX/XX/2016 and I extended your organization the credit for account XXXX. I hereby give your company WELLS FARGO CARD SERVICES notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

Wells Fargo Card services didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages.

Thank you for you attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (LA)

I had a problem gaining unemployment funds from the state of Louisiana and after waiting over far over 60 days I finally was granted an appeal and it was decided that I was owed unemployment back pay for over two months. A sum over {$2000.00}! Finally Well, you can understand that I needed to pay my landlord from these funds when the 1st of the month came, so on XX/XX/year> I initiated a transfer from my unemployment card ( administered by US Bank as a debit card ) to send {$970.00} to my XXXX XXXX  account on my debit card, which is where I get my direct deposits from work without any problems. 

No one told me this bank card is firewalled off XXXX and prohibited from contacting my bank account associated with my XXXX debit card account. I have followed every procedure, nothing is mysterious about this failed transaction but US Bank is dragging their heels in reversing the refused transaction. 

I have done the tracing number routine w/ both parties. XXXX has never seen the money on their money transfer docket. I certainly never saw a cent from this attempted transaction. The money went exactly nowhere. There is no compelling reason why US Bank can not just reclaim my {$970.00} as I began the transfer on a Monday morning, XX/XX/XXXX and here it is 28 days later on a Monday, XX/XX/XXXX and US Bank has not reinstalled my missing {$970.00} This is completely unacceptable! US Bank said last week that they would need to conduct a XXXX day investigation of where my funds went. This is the dumbest, most outrageous laziness & obstinance I have ever encountered. 

It isnt my fault that, for whatever reason between XXXX and the XXXX of Louisiana that unemployment funds may never be transferred between these two financial entities. Nothing dreadful or scheming happened, and after a month ( especially since the state of Louisiana screwed up my initial unemployment funds resulting in back pay of over {$2.00} to begin this problem! ) I deserve my {$970.00} put immediately back into my US Bank card!
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  is violating the truth in lending act, specifically 15 U.S. Code 1637 ( i ) ( 4 ) as I had closed a credit card account sometime last year. They have decided to report false negative information on my consumer report when the Truth In Lending Act specifically states " Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 1666i1 ( c ) ( 2 ) of this title, or the imposition of any other penalty or fee. '' They have constituted a default and my consumer reports is proof in addition to them having sharing my nonpublic financial information with a 3rd party debt collector.
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (AZ)

I looked at my credit report and I noticed a few errors. One of them being a late payment to COMENITYBANK/VICTORIASSECREt. I have never shopped or opened a credit card from the above company. Im trying to rebuild my credit and Im needing this off my report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We have a checking account with Bank of America. On XX/XX/year>, we received a call from the Bank of America fraud department stating that they saw suspicious activity of over {$4000.00} payment to a XXXX credit card on our account and they asked what action we wanted to take. I told them to deny the charge that it was not something that my wife or myself has charged. They told me they would call me back that day, and they never did. I called them back the next day to verify that they received the message to block the charge, and they said they couldn't because the account was locked. The person I spoke to said that the account was locked it meant the charge was handled. 

Meanwhile, my other bank that I have an account with XXXX XXXX XXXX XXXX XXXX, also had a suspicious charge that they called me to verify on the same day. When I told them that the charge should be denied, they immediately locked our account and issued us a new account number and debit cards. The charge never went through. 

On XX/XX/XXXX, the {$4000.00} showed as pending in Bank of America and then the charge went through. I immediately called and they told me that they could not escalate because it was considered a Bill-pay and that I was misinformed that they were going to call me back on the XXXX. I submitted a claim and we received a letter in the mail a week later that they would not investigate further because the charge was consistent with previous valid account activity. Though we have do have a XXXX credit card, we have never used Bank of America to pay and the last four digits that show with the charge is not our account number. I filed a 2nd claim on XX/XX/XXXX, and we received the same letter on XX/XX/year>. I called again to submit a 3rd claim. I tried to ask for additional information so we can prove that the activity on our account was not ours, but they refused to provide any additional information. I have now submitted a 3rd claim. On XX/XX/year>, I have also filed a police report with our local police department.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XXXX took over 60 days and still updated with the wrong information on my credit report. I am demanding that the following be removed for taking over 60 days to investigate. 
There are multiple errors on my credit report. I have requested deletion due to these and they refuse to delete the items and only update the data to make it even more incorrect. I would like these items removed permanently as required by law for wrong and inaccurate reporting on my credit report. XXXX XXXX XXXX opened XX/XX/XXXX XXXX formerly XXXX opened XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX - XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX reported 2x on XX/XX/XXXX reported I have disputed every account listed here and nothing has been corrected or removed. So I am demanding removal and sanctions to the credit bureau for failing to accurately report my credit profile.
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: Experian Information Solutions Inc. (FL)

I recently took a copy of my credit report and notice i had fraudulent account on my credit report please remove account from my report it is hurting my ability to obtain credit with future creditors and also it is my right to dispute this inaccurate item on my credit report. In the 15 U.S. Code 1681- Congressional findings and statement of purpose 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.
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: Experian Information Solutions Inc. (MT)

I disputed to reporting agencies all debt concerning XXXX Card 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 2024-05-22
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: Experian Information Solutions Inc. (TX)

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. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I recently viewed my credit report and I noticed the student loan that is reporting as a collection when I was not aware it was a collection. On XXXX it is reporting positive. I would like this account corrected because its hurting my score and my financial situation. It also is against the law to report inaccurate information. I was never notified about a collection.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-03
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a FedEx delivery to my house from a debit collector that I do not do business with. They are saying in their letter for a demand for full payment to a credit card company. XXXX XXXX XXXX is who I got the credit card from and Midland Credit is threatening me with legal action from an attorney in my state which is Michigan. They are also saying in the letter to contact their legal department. I dont k ow who Modland Credit is nor do they have any signed contract between myself and them.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX  XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (GA)

Recently I looked at my XXXX XXXX Consumer Report, and I noticed that I'm currently stuck in XXXX XXXX XXXX for check fraud. Regions Financial is the financial institution. I had no knowledge of this check fraud ever occurring. This incident occurred on XX/XX/year>. I've settled this issue financially with Regions Financial. Even after settling this issue financially with Regions Financial, I'm still stuck in XXXX XXXX XXXX. Because of this I'm unable to open a bank account. I have also filed a police report and a FTC identity report. I need this information deleted from my consumer report. 

Account Name : Regions Financial Account Number : XXXX
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: Experian Information Solutions Inc. (WI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Meta Payments Inc. (OK)

unauthorized charge to bank account and my bank wont help. I informed them about a charge I didn't recognize or authorize it took them almost a week to get back to me only to say the merchant verifies the purchase, and they wouldn't tell me who merchant was.