davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo fraudulently charged my account fees and overdraft fees by not posting deposits and not properly managing account. Received letter that I would be reimbursed due to class action lawsuit. Received a check for {$5.00}. This company also applied fraudulent fees and missed payments on car loan that led to repossession.
Consumer complaint received 2022-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

inquires were placed on my credit report on XX/XX/XXXX thru XX/XX/XXXX i want to alert companies to remove inquireies and also make them aware that this is fraud and to not issue any credit
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I lost my card and when I went to the bank to receive my card, she told me that there was a hold on my account and that I needed to call someone so I called them and she said that there was a deposit made into my bank, which I did not make any deposits to my bank for {$13000.00}. So she tells me that my account is under investigation and therefore my account is closed and I cant bank anymore and Im telling her that like thats not something I did and I spoke to someone prior to my account being enclosed so I was just very confused.
Consumer complaint received 2024-08-31
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. (AL)

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 : XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX 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 2023-04-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of XXXX XXXX of Debt XXXX  I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION, XXXX Closed on XXXX XXXX, XXXX, XXXX XXXXClosed on XX/XX/XXXX and any inquires that are attached to any of these accounts I would like them BLOCKED AND DELETED BY TRANSUNION, XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX ( Miscellaneous ), XXXX XXXX ( Bank ), XXXX  XXXX ( Bank ), XXXX XXXX H ( Auto ) XXXX XXXX XXXX ( Bank ) XXXX  XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX ( Auto ), XXXX  ( Bank XXXX
Consumer complaint received 2024-05-18
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. (AR)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, military star, XXXX home stores, syncb car care, first premier bank, XXXX, XXXX, fed retailXXXX XXXX XXXXXXXX, cab indigo, XXXX destinyXXXX XXXX networks, comenitycapital bank, XXXX, bank of Missouri, upstart, integrated credit, self financial, pay lease, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 reported agency may make any consumer report and containing any of the following items information any other adverse item information other than records of convictions of crimes which antedates 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 report agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to USC 1666b, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2024-08-31
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. (PA)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Under law Delete these accounts from my credit report XXXX, XXXX and Equifax, as well as these Consumer report Agencies *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 ( Right to Recisson - Return Property Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX XXXX XXXX Collection Charge off XXXXXXXX XXXX XXXX ( Student Loan sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. 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. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ~Social Security Number~ is a credit card
Consumer complaint received 2024-06-28
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets (TX)

Number used is XXXX. They reference file # XXXX. They even have my home address. However, they are looking for a XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Debt agencies have been after this XXXX XXXX XXXX ( who apparently lives or lived at one point in XXXX XXXX  ). The tough part is that he and I apparently share the same last 4 digits of our SS #. So I give them my first 3 digits, and that usually solves the issue. If not, then they ask for DOB and I give it as XXXX XXXX XXXX does not share my same DOB. I provided BOTH to the person at the above number, and they accused me of lying to them about who I am. They wanted me to send them a copy of my driver 's license to prove I am who I say I am. I told them that the information I provided was more than sufficient to prove I am not XXXX XXXX XXXX. The gentleman then started threatening me with his legal department, and I accused him of harassing an innocent individual. He hung up on me and did not finish the conversation.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2024-01-09
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: LEXISNEXIS (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my LexisNexis consumer credit report sent to me via mail.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-08-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear XXXX Bank XXXX XXXX XXXX am writing to address an issue with my mortgage account, which is showing an unfair and irregular payment history from XX/XX/XXXX to XX/XX/XXXX, indicating late payments. I do not recall ever being late on this account. I recently spoke with your customer service representative, who was also puzzled as they did not see any record of late payments. 

During the XXXX pandemic, I applied for forbearance due to severe medical emergencies, and I was informed that this would be reflected at the end of the mortgage term. Now, as I am in the process of refinancing my home, my loan XXXX has noted that I have been marked late for nearly 10 months. This discrepancy is unclear to me, as I believe I made all required payments when I received my statements. It is possible that my statements did not reach me, or that payments were not applied promptly. 

Given our positive relationship, I kindly request the removal of the XXXX late payment from my credit report and a refund of any late fees assessed. Additionally, under the provisions of XXXXCBA ( 15 USC 1666b ), FCRA ( 15 USC 1681i ), and FDCPA ( 15 USC 1692g ), I am requesting the immediate deletion of these inaccurate reports. 

I hope we can resolve this matter promptly and continue the positive experience I have had with your institution. Thank you for your assistance. 

Sincerely,
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (MI)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcon Credit Solutions LLC (FL)

Arcon Credit Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Another collection letter was sent regarding subject account ref # XXXX, after company accepted payment of {$XXXX} as settlement of this account on XX/XX/year>, I have received the attached letter that does not show the account as being paid and requests further payment. This is a formal notice that your claim dated XX/XX/year> is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, I am requesting that you supply documentation showing that per our previous conversations, that this account has been completely paid and there is no outstanding balance due and no legal obligation on my part further exists.
Consumer complaint received 2024-05-18
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. (FL)

I was reviewing my credit report and noticed some charged off accounts and collections account also quite a few hard inquiries. According to the FCRA 15 USC and 1681b this company is violating my consumer rights. Charge off accounts : 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 XXXXXXXX
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (CA)

I have asked for 2 of credit cards that I need removed from my account XXXX and XXXX. They are refusing to remove the cards since there is an open balance. I have asked to revoke ach access and they refuse to do that as well. They continue to attempt charges on my cards. I have emailed several times and they refuse. This has caused extreme stress. I have fraidekdnt charged on those 2 cards and every time this company charged my account it freezes my bank account. Im not sure why they are not revoking access to my accounts.
Consumer complaint received 2024-05-18
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. (AZ)

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. XXXX XXXX XXXX : ACCOUNT XXXX XXXXXXXX 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 AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. TRANSUNION SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. TRANSUNION 75 %, XXXX 100 %, AND XXXX 80 %. AGAIN, FOR THE SAME ACCOUNT. I am writing to urgently dispute inaccuracies on my credit reports with TransUnion, XXXX, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Inquiries : XX/XX/XXXX