davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is inaccurately reporting a missed payment on my credit report for XXXX XXXX XXXX this payment was never late and was not processed at fault of the creditor. 
Customer service member acknowledged to me the mistake and promised to remove the late payment, this had not happened. 

Payment was never late and is inaccurate
Consumer complaint received 2024-04-30
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681. 
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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

Im filing this complaint against Chase Bank. On XXXX, I used my debit card at XXXX XXXX The amount for their services was {$6.00}. However upon using my debit card the laundromat debited {$20.00} on XXXX. I inquired about the {$20.00} from the laundromat assistant, and was told that the {$14.00} would drop off at XXXX XXXX on Tuesday, XXXX and I would only be charged the {$6.00}. I phoned Chase on XXXX, and was told that the {$20.00} was in a pending status and if I wanted to dispute it I could with the claim department. I explained to the representative what the assistant told me. I also saw that the {$20.00} was in a pending status when I looked online via my XXXXXXXX XXXX. Even though I was told that the {$14.00} would be credited back to my account on XXXX ; that never happened. On today, XXXX, I checked my account and saw that the charge of {$6.00} to XXXX XXXX had posted to my account. However, I was not given credit back to my checking account for the {$14.00}. Upon speaking with a manager by the name of XXXX at XXXX, he informed me that he never saw a pending transaction for {$20.00} that pending on XXXX from the laundromat. I also inquired if they showed where I called Chase on XXXX to inquire on the pending transaction. I was told that they have No Records of pending transactions. How can this be so when Chase debited the {$20.00} on XXXX?
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Wells Fargo Card Services has violated several of my rights as a consumer. Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation.

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option.

Thank you for your time and prompt action to help me remedy this
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

As a consumer I Am a victim of fraud. I review my credit report and came across unauthorized accounts and information on my credit report from XXXX, TransUnion, & XXXX. I am submitting a complaint to fix this issue so I can continue with my life. 

I uploaded proof and evidence to support this complaint. Please help
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my 3 credit bureaus ( XXXX, XXXX, TransUnion ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CO)

I made a purchase from XXXX on XX/XX/23 for XXXX. These were wedding clothes, and the intention had been to return anything not needed. The merchant ended up banning my account before the purchase was delivered. No return slip was included. I was unable to access my account or speak to XXXX in any way, as they require logging in to use the chat feature, I was not able to initiate a return. Ive continually explained this exact situation to Goldman Sachss. Ive sent them screenshots of my account ban, which prevents my access to the site, and they have told me that this isnt valid documentation. They have denied my dispute claiming I have provided no documentation for a year.
Consumer complaint received 2024-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (FL)

Midland Mortgage Loss Drafts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I am writing to request that an initial draft of the insurance funds be immediately released to XXXX XXXX and XXXX XXXX so that contractors can be paid to begin the difficult process of rebuilding my home. As of to date, contractors are refusing to take on projects involving insurance proceeds due to a delay in getting payments for work that has already been completed. 

Your collateral and my home remain unrepaired for unsubstantiated and unjustifiable reasons. Thus, it is in both my and Midland Mortgage, a division of MidFirst Bank, interest to have my home repaired without further delay. 

Therefore, by holding up my insurance proceeds, Midland Mortgage is contributing to further depreciation of my home by forcing us the homeowner to involuntarily deposit funds with your organization that should be going toward the process of rebuilding and restoring the asset that is my home and your collateral. Please, in the interest of time, send the account number that the funds were deposited into, the terms of the account, and an account of how the funds are being utilized.

Please immediately provide the name, email, and direct telephone number of a person with authority to collaborate with me and Midland Mortgage to appropriately address this situation. Otherwise, a complaint will be filed to the Consumer Financial Protection Bureau ( CFPB ), the Florida Department of Financial Services, and my attorney. Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Communication between home owner and XXXX XXXX of Midland Mortgage XXXX XXXX XXXX Sat, XX/XX/year>, XXXX to me I am looking into this, and will have my manager review so we can get these funds to you, I am sorry for the delay. I am working on it now and should have a remedy on Monday, I will let you know.

Thank you, XXXX XXXX Servicing Associate II Loss Draft Midland Mortgage, a Division of MidFirst Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XX/XX/year> Good afternoon XXXX XXXX XXXX I am following up with you regarding an appropriate disbursement from my insurance settlement funds to initiate the rebuilding process of my house. 
Please be reminded that this has been going on since XX/XX/year>. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

Ive taken my car in on several occasions with XXXX refuses to fix my vehicle. I purchased the car and tire pressure light, engine light, fuses were out, breaks were squeaking. I've taken my car to 2 different dealerships. They refuse to fix issues that have gone in more than 1 time for. The last dealership didnt look at the current issues again, my car stopped in the middle of the intersection I was almost rear ended with my XXXX XXXX XXXX. The break pedal squeaks, brakes squeak bad, gears get stuck, rim is cutting tire from the inside, engine was rattling. The dealer told me no issues refused to look at issues to my car. Threatened to call the police for their loaner. Thats all they were worried about is the loaner. The general manager was rude and unprofessional, cut me off. You pay for a car, you expect the vehicle to work properly. Neither dealership would fix the problems. Its really unfortunate, they hassle and bug for you to buy and once its done, they could care less about the vehicle.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-01-26
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. (PR)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$140.00} DATE XX/XX/XXXX and XX/XX/XXXX reporting miss payment XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX account XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1800.00} I have made more the one complaints against EQUIFAX AND XXXX prior to this letter. I am holding the accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S.CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat. 146 ) states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft. 
I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the FCT REPORT. 
and also, The Privacy act of 1974 ( 5 U.S CODE 552a ) EQUIFAX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back 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 customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 604 A SECTION 2 states that " 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 of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, Equifax and XXXX do not have my consent to furnish this information and they do not have written consent. 
.Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXXXXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX account XXXX finance on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy. 

In accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-12
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)

being a loyal customer of XXXX XXXX i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as XXXX and not XXXX XXXX as it should be also has incorrect amount owed by me wrong 2 mistakes
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or 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.