davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (TX)

My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These records have severely disrupted my life, leading to considerable distress. I must emphasize that I never sanctioned or agreed to have this information associated with my identity, as I am a victim of identity theft.
Consumer complaint received 2024-05-09
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. (NC)

I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included screenshot inside this complaint in on dates XX/XX/2023 or XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 

Thank you, Please see screenshot attached
Consumer complaint received 2024-05-04
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. (LA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ROAD Auto Finance, LLC (GA)

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2024-07-15
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. (LA)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (AL)

Yes, in the past few days, the banking services, including XXXX transfers, wire transfers, and card transactions, have been disrupted. I am unable to place a withdrawal of my funds to an external bank of {$2600.00}. 

The disruptions are due to issues with Juno 's banking services provider, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX. has filed for XXXX which is the cause for this issue apart from other banks facing same issue such as XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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)

In XX/XX/2021, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account Number : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I received a call on XXXX XXXX, 2017 from debt collections agency Diversified Consultants Inc stating that my husband ( they stated his correct name repeatedly ) owed a debt with XXXX & XXXX XXXX. I told them it was not correct and to give me dates and address. They did. Not ours. I asked Diversified Consultants to confirm the last 4 of my husband 's social security number to verify it was my husband. The number they have was indeed my husband 's last four of his SSN. I told them this was then fraud. They told me to contact XXXX XXXX XXXX identity theft. My husband contacted XXXX XXXX XXXX identity theft hotline. XXXX XXXX XXXX told my husband that it was not his name, no SSN was on the account, and it was not his birthday listed. So no fraud according to XXXX XXXX XXXX. Diversified Consultants denied illegal collection practices saying they got my number and my husband 's SSN from XXXX XXXX XXXX. Diversified Consultants is using illegal collections practices by assigning someone else 's SSN to accounts that lack one but have similar names.
Consumer complaint received 2023-08-27
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C. (CA)

I entered into an agreement with XXXX XXXX XXXX in XX/XX/XXXX. They went bankrupt in XX/XX/XXXX and my account was transferred ( without my authorization ) to Consumer Legal Group ( CLG ). I have paid over {$32000.00} and nothing has been done to improve my credit. When you call all you get is scripted messages. I have asked to talk to an attorney and have never been connected. This entire thing is scam. Its theft. I want my money back and will do anything I have to do to make that happen. I have already filed complaints with the XXXX, FTC, CFPB, and filed a local police report. Stay away from this company.
Consumer complaint received 2024-07-15
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 am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address this issue.
Consumer complaint received 2024-05-04
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. (OH)

While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX  XXXX XXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.
Consumer complaint received 2023-08-27
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. (GA)

I reached out to Transunion via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Transunion responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Transunion requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Transunion responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Transunion is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Transunion credit report XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX 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 XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a mistake paying {$5000.00} to Capital One credit card company. On XX/XX/XXXX, we called and stated the mistake. Their call center said that they will issue a check. After XXXX  days, XX/XX/XXXX, we did a follow up. We were told that it wasn't processed. We accepted our fate and were told to wait XXXX. It's now XX/XX/XXXX, we did another follow up and were told that they didn't process the issuance of the check coz it's too early on XX/XX/XXXX. So I asked the assigned XXXX named XXXX XXXX badge # XXXX ) what about XX/XX/XXXX? I didn't call just to say Hi? He couldn't tell me the history on that conversation for that date. But confirmed that a call was processed. It also clearly stated that it's a recorded conversation. Now he's telling me to wait another 10 days. It's not fair for that company to hold on to that money for this long while the other account is accumulating daily APR. We're retirees and money is tight for us. Their incompetence cost us great deal, financially and emotionally. Everyday waiting for that check to arrive. He even refused to expedite our request and insisted nothing he could do for " their '' mistake. I'm extremely disappointed.
Consumer complaint received 2024-05-09
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. (MI)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TN)

I have an account with Juno, who apparently partners with XXXX XXXX  XXXX XXXX, and depending on who responds ( slowly and inarticulately ), all accounts are currently frozen. I have over {$3700.00} currently sitting in their account that they refuse to release. This is not an insignificant amount of money and I need it released immediately. The companies are refusing to do anything except blame each other.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MA)

My bank, Juno says- " Cash services are temporarily unavailable due to issues with our banking services. Our brokerage partner, XXXX has informed us that funds are safe and are securely held in reputable banks. Due to ongoing issue with banking service provider, XXXX XXXX  XXXX XXXX, currently there are disruptions to banking and card services. '' I have XXXX $ and I am a student in US. I need my money to pay for tuition but now its frozen. This is ridiculous. I am in lot of stress. I need help. My bank name is - Juno ( XXXX XXXX company ). I would like to file a complaint against it and its partner XXXX XXXX  and XXXX as well as the brokerage partner XXXX. 

Looking forward to hearing from you.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

I am writing to formally lodge a complaint regarding the mishandling of my account closure reporting by Truist Bank. On XX/XX/2024, at approximately XXXX hours, I made the decision to close my account with Truist Bank and received a {$20.00} withdrawal from the account at the time of closure. Subsequently, in XX/XX/2024, I received a closeout statement that accurately reflected this transaction. 

However, to my dismay, in XXXX of XXXX, I received a letter backdated to XX/XX/2024, stating that my account was charged off and closed in the amount of {$20.00}. This erroneous information was also reported to check systems and early warning, which is a clear violation of the law. 

I want to emphasize that the account was closed voluntarily by me, and I have the receipts attached as evidence of the {$20.00} cash withdrawal received at the time of closure. The fact that Truist Bank has reported this as a charge-off for {$20.00} is not only inaccurate but also damaging to my financial reputation. 

This misinformation constitutes defamation of character, inaccurate business dealings, and, at the very least, fraud. I am deeply concerned about the implications of this erroneous reporting, as it could have severe repercussions for my financial standing. 

I demand that Truist Bank rectify this issue immediately. You must correct the erroneous reporting and remove any mention of a charge-off from my account. Failure to do so within five days of receiving this letter will result in legal action being taken against Truist Bank. 
Furthermore, I will explore all available legal avenues to seek justice, including but not limited to filing a class-action lawsuit on behalf of all customers affected by similar inaccuracies. 

Please be advised that I am fully committed to pursuing this matter until a satisfactory resolution is reached. I expect a written response confirming that the issue has been rectified within the stipulated timeframe. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

My account has been continually accessed by criminal activity. From as far back as XX/XX/XXXX there are names of people whom we do not know. Multiple visits and calls to Wells Fargo Bank throughout this time period shows a trend of criminal activity and electronic access and use of my money without my consent. Wells Fargo did not help- in fact they recommended that I turn off my online banking. Opened new accounts, Recommended that I transfer {$200000.00} into a savings account and then set up that account as the overdraft protection to the checking account ( XXXX ) that was being accesssed. I am an elderly widowed, retired XXXX XXXX veteran who trusted this bank to help me. I got my daughter involved in XXXX and she spent countless hours with Wells Fargo phone individuals. She created a spread sheet from XX/XX/XXXX thru XX/XX/XXXX when I noticed the activity on a bank statement that came in the mail. The names that I see that I do not know, never even heard of until they showed up on my account are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and probably more. They always use electronic means. The spread sheet that covers from XXXX XXXX shows an illegal withdrawal amount of XXXX with much of that being sent over from the savings by overdraft protection in that amount of {$14000.00} When my daughter made this spreadsheet we contacted wells fargo again and after much hard talking got put through to a new investigator named XXXX. She said most of these claims had been put through and deemed " not fraudulent '' and she did not overturn that. However she found several more incidents that did not have a claim against them ( many duplicate the denied items ) and she got us a payment of {$1200.00} on XXXX. HOwever all of the others were not overturned. Thsi made absolutely no sense. At this point they state they have done all they can. I am going to attache the spreadsheet made by my daughter, the statement from XXXX thru XXXX and another spreadsheet my daughter was able to download directly from Wellls Fargo.