davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I was completing a transaction on the website XXXX for sale of some furniture for a total of {$720.00}. Buyer told me he was being relocated and his company would be emailing me a certified check in the amount of {$2100.00} that I could mobile deposit, and y instructions were to deposit, then XXXX the moving company for arrangement of pickup. 

I mobile deposited the check into my Wells Fargo Account, and the funds were made available on XX/XX/XXXX, so I completed the XXXX transaction. 

Soon after providing verification of the XXXX Transfer, the buyer then messaged me that more was needed for the moving company, so he was sending another check of {$2600.00}, which I was to XXXX again to the movers. 

I became more suspicious, but I made the deposit, then called Wells Fargo Fraud Detection, as I thought something was up. XXXX with Wells Fargo advised on a reccorded line that the check cleared. I waited the weekend, then went to a branch to show them the checks, which they advised didn't match the previous bankers check. I called Fraud Protection and was again told on the recorded line the checks both cleared, but immediately opened up a claim with Wells Fargo Fraud Protection with XXXX XXXX XXXXXXXX for the deposit and XXXX XXXX XXXXXXXX for the XXXX Transaction. 

On XX/XX/XXXX, both checks were returned, with lost funds on the XXXX transaction resulting in my account being overdrawn. I called back to Wells Fargo to inquire if they were going to be able to refund the {$1400.00} for the XXXX transaction and they advised it would take XXXX days. 

Wells Fargo does not have stops in place to protect me as a customer, as I was told twice that the checks were good and cleared, even while being suspicious.
Consumer complaint received 2024-04-25
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-25
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (ND)

I got a notice in the mail regarding a debt owed from my apartment lease that I broke in Florida. They called me to pay the debt, I said I couldnt come up with the {$2200.00} they were requiring but I could make payment arrangements bi weekly to ensure I am trying to pay the collection. They told me they wouldnt work with me and that they needed it all at once. The representative repeatedly talked down to me and kept asking me to borrow money from a family member, take out a loan, or put in on a credit line. I offered {$170.00} bi weekly ( totaling $ XXXX ) to start, they said no. From then, I had made a few payments totaling around {$500.00} because they kept calling me. On XX/XX/XXXX, I offered them {$1200.00} for a settlement, he declined. He said the most they could take it down to was {$1500.00} but it would still affect my credit for 5-7 years, but that if I paid the total amounting in {$1700.00} he would clear it off my credit. On XX/XX/2023, the same representative ( XXXX XXXX ) called me and asked to once again clear the debt. I told him that I dont have that amount to give him and he asked well what happened to the {$1200.00} you were willing to pay before? What happened to the bi weekly payments you were going to guarantee us? You need to ask a family member to resolve this. I asked if he was calling to lecture me or assist me in setting up payments and his reply was ok XXXX I am going to put you down as a refusal to pay, bye.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

I have a settlement agreement with EXETER finance. When I received this settlement offer I called Exeter and spoke with a XXXX agreement customer service XXXX at Exeter and she informed me that if I accepted the settlement offer the account balance would immediately be updated to XXXX as that is the XXXX XXXX total balance we agreed on in the settlement, and the account would be reported as closed with the XXXX paid in full. I accepted the settlement agreement, signed the contract and paid the XXXX in full on XX/XX/2023. I even contacted Exeter via customer support email to make sure the correct reporting would be updated to the account by the next reporting which should have been XX/XX/2023, the representative assured me that the account balance would be updated to XXXX and the account would be reported as closed, she also sent me a receipt via email to confirm they received my payment. I see on my XX/XX/2023 report that Exeter finance reported to XXXX the incorrect balance of XXXX and an incorrect charge off reporting. That is completely against our settlement agreement and this is a clear violation of my rights to accuracy, privacy, and fairness and inaccuracies on a credit report can hurt my opportunity at credit. The actual balance I owe is XXXX according to the settlement agreement, the XXXX was paid in full on XX/XX/2023, the account is supposed to be reported as closed and paid. I have submitted numerous disputes recently about this inaccurate account reporting issue, this is NOT an opportunity for re-investigating anything this is simply me notify Exeter XXXX XXXX to update the account information on my credit report immediately after receiving this letter or both companies will be held liable XXXX to me for every FCRA violation committed regardless of intent you will be held liable to me for statutory damages for violating 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) 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 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2024 we attempted to buy a new car at XXXX XXXX Toyota using our financial institution. We were told at near the end of the paperwork that if we did use our bank we could not drive the car off the lot without putting it on our policy first ( California law has a grace period for policy owners of which we are a policy owner and we showed them that fact ). We were told that their policy does not apply if we use Toyota Financing only if we use our own bank. We were pre-approved ofr almost twice the value of the car we were buying. This was a scam to force us to use their financial system.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX  and all three major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent XXXX XXXX XXXX  a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested XXXX XXXX XXXX XXXX provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the XXXX card recipient on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. XXXX XXXX 's willful negligence has had an extreme impact on my financial affairs. 

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXXXXXX XXXX XXXX  is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX XXXX  and the Consumer reporting agencies XXXX and Experian do not consent to furnish this information, and XXXX XXXX  XXXX does not have my written permission. 

Given XXXX XXXX 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and safeguard my privacy. As per the Fair Credit Reporting Act, XXXX XXXX is obligated to delete this account. I am also reiterating my request to opt out of all reporting by XXXX XXXX XXXXXXXX XXXX to all credit bureaus and to have the account removed from all XXXX major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.
Consumer complaint received 2024-04-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Network Recovery Inc (CA)

The company, Financial Network Recovery, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is Jahne Greer. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Consumer complaint received 2024-08-21
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. (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 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 account listed without my expressed written consent.
Consumer complaint received 2023-10-27
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. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-04-25
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. (CA)

I am sending this to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. 
XXXX XXXX XXXX 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it. I urge you to remove this account from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Consumer complaint received 2023-09-17
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. (NJ)

In accordance of the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code1681 S-602 states, I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers 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 U.S. Code 1666b - Timing of 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.
Consumer complaint received 2024-04-25
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. (FL)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I previously contact the XXXX XXXX XXXX in the beginning of XXXX. I check the website state my student loans are discharged. However the loan consolidation balance is the same of XXXX. The loan numbers are XXXX and XXXX shows paid in full and discharge status. 


I need an itemized statement for each loan including interest adjustments on each account. Please up dated the consolidation balance on account.
Consumer complaint received 2024-04-25
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. (NY)

I am writing to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
XXXX - XXXX XXXX XXXX. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes promptly. XXXX and XXXX have already corrected this inaccuracy on their reports. I urge you to take immediate action to update this erroneous account on my report as well. A written confirmation of its correction would be greatly appreciated.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

The following corporation Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX must remove delete all income from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX  themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns